First, a 2006 model anything in my part of the country is a normal, daily driver for a sophomore in high school or a blue collar guy. It’s smart of an agent not to make assumptions. It’s best if you can communicate these things clearly. For all they knew it could have been a new daily driver for you (which is not the kind of use a typical classic policy is for). Us agents have seen a million different scenarios and thousands of different clients who think we know their preferences through telekinesis or something. Just be clear, it’s best for everyone.
I recently placed a couple with one of largest classic car/motorcycle providers. Clients stated 1981 HD MC in showroom condition was $25k to them. (We never know why or how people base that. Just like how the rebuild cost on a home has little to do with how much you can sell it for.) Issuing company’s JD power rang in $18k at most. If they don’t accept that value, the policy cancels.
Of course you can have ACV, unless something specific to state or otherwise prohibits.
It sounds like you should get a clearer picture of what the car is worth to and from an accepted professional. If it’s outstanding, that’s awesome for you. But a professional needs to say that. All the pictures and records in the world do not matter if no one agrees with you. Even if you can prove ten individual professionals say it’s worth $30k, they can say no, not a risk we’d like to take. Consumers get to pick and choose the company they pay premiums to just as much as insurance companies get to say thanks, but not our appetite. Each company could have a different standard of what documents are acceptable to them, and who they can come from. Most things are generally the same. But you’ll get more done, faster, if you start down that path.
It all depends on the quality of the building and unit. You will not be considered low income if that hourly rate is for a full time position. We live not far from the poorest part of the nation, so the poverty line for a lot of this area of the state is well below where you are set to be. Stay away from Country Bluff apartments. Monument contracts a lot of traveling professionals. Someone there is worth finding to ask if they have any direction to send you. A lot of private homeowners will have a room or separate floor unit for traveling professionals to rent, but they don’t advertise them, or then they would attract more attention than they want, for obvious reasons. It will take a lot of asking to find those folks, but well worth your time.
They take it seriously because a trespasser is a liability and could potentially cost them a large sum if someone were hurt. It’s also mentally and emotionally draining on the people who have to handle a situation like that, from top to bottom. They want you to be safe and to regard the law as it is in the best interest of every party. I get the adventure, I do. But I work on the back end of the worst case scenario outcomes, and it’s a heavy burden to bear at times.
That’s a step in the right direction. I know this sucks and is probably aggravating for you. But, you’re moving in the right direction. I’m glad that there hasn’t been mention of any harm to any person, yourself included.
I think a lot of people throw out the “insurance is a scam” accusation until they realize this is exactly what insurance protects them against, no matter who caused it. Affordability is also another barrier to some people obtaining insurance. To those I say 2 things:
It is your duty as a driver to protect your passengers (especially the ones you are closest to) while on the road in your vehicle. Seatbelts, insurance, car seats, etc.
Monthly premiums (even in today’s market) pale in comparison to the accumulated cost of legal fees, court judgments, time, stress and tears. Sometimes we even lose someone we love.
Find an agent you trust. Stay local if you can. Independent agents and agencies have more resources. Ask the questions you think may be “dumb”. I have clients of all ages, all the time whose understanding of claims and coverage are not only outdated, but just plain old adages that a neighbor would say in casual small talk because they’ve heard it 50 times over the years, so it must be right. Insurance has changed a lot. Wildly so in the last 10 years.
First, it depends on what coverages the other driver had and if your state requires insurance. Like UM, UIM, PIP. If it is required, you need to know if you are in an at-fault or no-fault state. Depending on those factors, available actions differ greatly.
You can dispute the claim, but you don’t have much to stand on if you neglected to have any required insurance.
It will be a very long time before you get to court, if that would happen. And by then the cost of damages will look tiny compared to what you’re going to spend on attorney fees. You can threaten a lion with a mouse.
Also, get insurance. The next time this happens you could have serious consequences.
Someone out there will love you exactly as you are, flaws and features. And it won’t be this difficult. Nor will that kind of love make you question if you are making the best decision for you, when you know what is best for you.
I wish that family would support you and see the pain, both physical and emotional, that you have endured, even if it all seems so small now. It’s disheartening that they pressure you into continuing to pursue natural childbirth, despite your body literally saying “please, no” (and don’t forget it’s your rightful decision as it is your body and health at risk), just because they clearly have had expectations of your husband being a father, with or without you.
NTA. In 10 years, you’ll have better friends. It sounds harsh, but eventually you’ll weed out people like this. Real friends don’t exhibit these kinds of behaviors.
If a friend needs to make certain they are the center of attention, even at their own little party, who does she rationally think she’s competing against? Her friends? Your friend is seeking attention as the most important person in the room. Well, duh. That’s why you’re there. But among good friends, that’s unnecessary, they will show up for you, because they cherish you. Mutually, you all lift each other up at the right times.
I would expect that a pregnant woman of her age would have a lot of other more important things to think about. It’s very childish to call out a simple, standard, modest printed dress. And if she and/or her friends think a dress or your body shape isn’t good enough to be around her and in her circle, there are plenty of other kind, drama-free people who would like to welcome you to theirs.
Leave. Leaving my partner for a handful of reasons after the loss of my father. It was the only way for ME to survive. And that’s all my dad would want, and I believe yours too.
I onboarded at a SF agency. They schedule my PC test for me and just pass the info, telling me to just come in after my test was completed. I get to the testing center, no one knows what’s happening or who I am, or why I’m there. They signed me up for an online proctored test it turns out. So I book it back home and do the best I could. Which, that office was stressful enough, let alone getting blamed for not passing because I didn’t pass that time. My bad, your error knocked me off my game, and the unnecessary pressure and rush to get home didn’t make me feel any better.
The OM called the CSR her best friend. I remember at beers after work one day at the patio nearby, the OM literally rips into the CSR, in from of our spouses, and the CSRs two kids, that how she spends her PTO is stupid and she needs to manager her time better. WTF? They were not happy I had my own life after work and would rather be eaten alive by fire ants before trying to be friends with them.
They would literally sit at each others desk for the last hour of the day and mean mug everyone (me + 1 other ding dong - she’s a whole other hot mess of her own) and just be total Karens about everything in life. OM was on husband #3, had a (formerly?) drug addicted daughter, a grandson from her, and a befu***n gloved son who did no wrong and deserves everything in life. Just sharing a wall with her made you so miserable you felt sick. No one ever had a single nice thing to say. And it’s funny because in my interview I said two basic rules are that we can assume good intent of one another, and each of us protect their okayness. I think that may have been the first (and likely the last) time they had ever heard those words.
I was new to the industry. They applauded, more than once, my resume and experience in my interviews. And I grew up in the mud. I come from nothing. Buying a home at 24 was a big deal to me all those years ago. So if I’m protecting people’s biggest purchases in life, yeah, I will be asking questions. All my studies included me making spreadsheets and notes digitally of not just the license training, but company too. You’d think wanting to understand the product was like asking her for her right arm. I don’t think you care about relationships if after every phone call you so graciously take from a client with the few moment in the day that you actually work, that you need to roll the eyes to the back of your head for 50 reps and have a vent session after every single one.
Fast forward to the fall, I’m preparing for my LH test. Well, my father passed. I took one week off, because there was significant travel. I came back a shell of myself. But I still showed up every day, despite how physically sick the environment made me. I’m back on Monday and I get pulled into the meeting with the “guy who’s name is on the building” (he doesn’t deserve the credit of being called an Agent/Agency Owner if he’s never there and at least twice a week clients complain about it, right?). I literally have to sign a stupid form that I will not ask more than 3 questions or face disciplinary action. Yes folks, you heard that right. I couldn’t ask more than 3 questions. 1, 2, 3. Yes, just like that.
So much more juice from that bad apple, but yeah, SF was a distasteful introduction to the industry. But now I have a nice gig, and a bright future. Plus I have one other significant interview next week for the opportunity that I’ve been manifesting.
Story of an Artist by Daniel Johnson
PS, his life is an amazing story. The Devil and Daniel Johnson is an insightful documentary about him. I encourage you to watch.
They don’t want a lapse, ever. Not even for a day. Because if there is a total loss on the home on a day a policy is not active and in-force, the policyholder/homeowner is on the hook for the balance of the mortgage, sometimes immediately. And the average Joe can’t swing that. So it’s a mortgage company’s business to make sure insurance is place, always. Financial institutions protect their assets. The home becomes their asset when the policyholder/homeowner defaults on the loan and loses possession of the house. That’s a worse case scenario for everyone. They want it covered. Even if it costs the borrower an arm and a leg now, it’s far less than the encompassing effects and toll bankruptcies take on people.
The woman you want to become needs the girl you are now to leave this relationship. The abuse and manipulation only gets worse. I’m sorry you’re questioning yourself. Please know your body is trying to get you to say no, your heart just doesn’t agree. It’s okay. Those are confusing times. But if you don’t protect you now, the damages will add up over time until something starts to crack. You’re so young, and I’m certain worthy and kind too. I wish I knew me now when I was your age. A lot of my regrets at 35 are because I made bad investments in the wrong people, all in the name of love. There’s someone out there that will not make you feel so uncomfortable and uncertain. Hold out for them. And be strong now. Please take care of yourself.
Stay clear of Country Bluff if you don’t want problems later on. The leasing agent doesn’t even know what is in the doc she asks people to sign. So if there is any chance of a lease break, save yourself the headache now. Many unpleasant experiences there. And in 2.5 years there, things only declined.
It was maybe 10 blocks. I got the feeling she knew she could not avoid me calling the PD. Not a single apology. Never asked if I was okay. I was the one doing all of that. When her mom came in hot after I declined to help, I told her to get insurance on that f**king mouth before she says something she can’t afford. I was the manager of a small law firm back then. Granted, it would be small claims and I’d handle that myself. But I could get any of them to make a call and write a letter. In the end, you can’t get anything from someone who doesn’t have a pot to piss in. I put my energy into my yoga studio and a few weeks later that brat was handing me my Burger King in the drive-thru. I asked if she had a court date set so I could attend. Rolled her eyes and just slammer her window.
They can’t pay out if they don’t collect. An uninsured 15-year-old t-boned me summer of 2019. Drove off, but I followed. Had practically a daycare in the back seat. It was like a clown car when those kids poured out of the vehicle. My insurance said she was willing to pay $25/mo towards the claim. That’s never going to be paid because the brat texted me asking to help her court case, and her mom was next in line with some choice words when I said no, I do not support leniency for her following her actions.
There aren’t any shops that advertise doing walk-ins. During rally it’s different. That’s about the only time in town when there is a need for it. I would suggest finding local artist on Insta and seeing who has been active today. I’ve gotten in touch with a few I’ve worked with through Insta, and it seems to work for them. For a lot of the artists it’s a day job and it’s easier to pencil something in within the next day or so than stay late and hope they get a walk-in.
I particularly like Mallory at Thrash’s. Die This Way Tattoo is brand new and has a dope staff lineup. I would highly recommend Amanda Allison there. Emma Madsen at Duende Ink is very accommodating also.
Sturgis, SD is about 20 minutes west of me. Home to the largest motorcycle rally in the world. That’s definitely a great vintage piece.
Lovely restaurant on top of the tall hotel, the Alex Johnson. You should be able to get reservations. But if needed, I have a free VIP pass I’d happily give you for the occasion.
Isolation by Zach Diamond
My Body is a Cage, but the Peter Gabriel cover
Agony by Yung Lean
I have a Lenny too. He’s half gentlemen, half terrorist (cowboy corgi).
If you want quality and fair pricing for the same, Ryan at 6Throne. But all of the gentleman in that shop are talented. Schedule online.
Family or otherwise, when the answer is no, it’s no dammit. Parents do this all the time. Where one child succeeds and the other does not, the one who “didn’t have it so hard” (or whatever other ways you’ve heard it spun in your families) is expected to fill gaps for the other’s shortcomings if the parents cannot. It’s “fair”. No one thinks of boundaries or potential consequences, let alone the likely unsaid expectations if you do decide to engage in the way they want you to. And hear me out… if they didn’t want you to do it, they wouldn’t be asking you. Wants vs needs. Learn to tell when someone wants something, and when they need something. Many times it’s a concoction of unequal parts of both. Parents that built a single mold for their children, expecting them all to be individual yet uniform, can do real harm.
You have big, wonderful plans for yourself. Top notch goals. It would be a shame to create an opportunity for family, intentional or otherwise, that would disrupt that or get you off track. The work you’ve put in deserves to be respected by all the important people in your life. Regardless of what they are missing or needing in life.
Mom wants to save my brother with my credit on the line
EntitledPeople