LumberJocks

All Replies on Getting Screwed Legally

  • Advertise with us
View Roger Clark aka Rex's profile

Getting Screwed Legally

by Roger Clark aka Rex
posted 09-10-2010 04:31 PM


1 2 next »
83 replies

83 replies so far

View GMman's profile

GMman

3902 posts in 4209 days


#1 posted 09-10-2010 04:49 PM

I work for the government for 35 years and it was a full time job in the union still I had to pay UI which I was not able to collect one cent of.
I am getting a pension that I paid in while I worked but as I turn 65 and sign in for my OAS pension the same amount of the OAS pension is taken off my pension that I paid in, more my wife will not qualify for an OAS because my revenue is too high by their account.

View GMman's profile

GMman

3902 posts in 4209 days


#2 posted 09-10-2010 04:51 PM

If I do any small repair on my house I need a permit $25 now the reason is to raise my taxes.

View helluvawreck's profile

helluvawreck

32086 posts in 3379 days


#3 posted 09-10-2010 04:52 PM

We’re all robbed everyday by our fiat currency, but try telling that to the average person. :-[

-- helluvawreck aka Charles, http://woodworkingexpo.wordpress.com

View GMman's profile

GMman

3902 posts in 4209 days


#4 posted 09-10-2010 04:54 PM

You retire and you still pay income tax for the people on welfare sitting on their ass, I know I have a brother in-law in perfect health on welfare having a laugh seeing me paying income tax still.
If I get a prescription from my doctor I have to pay but my brother in-law get it free of charge.

View HokieMojo's profile

HokieMojo

2104 posts in 4240 days


#5 posted 09-10-2010 05:18 PM

My auto insurance goes down every year as my car ages. If yours doesn’t, you either had an event occur that puts you at higher risk or you need to change companies.

View Abbott's profile

Abbott

2570 posts in 3816 days


#6 posted 09-10-2010 05:20 PM

I don’t sweat the small stuff. Life’s a bitch then you die, might as well try and laugh your way through it :) What I found more important in the past couple of days is that yes, woodchucks do chuck wood!

-- Ohh mann...pancakes and boobies...I'll bet that's what Heaven is like! ♣ ♣ ♣ ♣

View helluvawreck's profile

helluvawreck

32086 posts in 3379 days


#7 posted 09-10-2010 05:28 PM

Good one, Abbott. Yeah, and they sure as hell ain’t going to put up with any farmer that comes along and tries to spoil their fun, else he may find out that woodchucks do chuck farmers – right? ;-\

-- helluvawreck aka Charles, http://woodworkingexpo.wordpress.com

View CharlieM1958's profile

CharlieM1958

16284 posts in 4730 days


#8 posted 09-10-2010 05:46 PM

Roger, you mean we are being screwed by the government and the insurance companies??!! Shocking newsflash, indeed!

LOL! :-)

-- Charlie M. "Woodworking - patience = firewood"

View WoodyWoodWrecker's profile

WoodyWoodWrecker

171 posts in 3763 days


#9 posted 09-10-2010 06:04 PM

In 2004, I was looking to buy a Toyota Prius but they were hard to find. I found one in Florida while visiting relatives. It wouldn’t be off the boat for another 2 weeks, so I asked the salesman if he could ship it to Arkansas. He said that they weren’t set up for that but that it would be cheaper to fly one way and pick it up, anyway. I had to be in Atlanta that week, so my wife flew down and picked me up on the way back home. What the salesman neglected to tell me, and I found out later, is that if you drive a car off the lot in Florida, you must pay the Florida state taxes. And since I live in Arkansas, they demanded their taxes, as well. So I had no choice but to pay double taxes on the same car.

-- You always have tomorrow to stop procrastinating.

View helluvawreck's profile

helluvawreck

32086 posts in 3379 days


#10 posted 09-10-2010 06:10 PM

Woody, the guvment’s arithmetic don’t ever add up.

-- helluvawreck aka Charles, http://woodworkingexpo.wordpress.com

View jackass's profile

jackass

350 posts in 4225 days


#11 posted 09-10-2010 06:56 PM

Hi Roger,
We all get screwed by Insurance Companies, Taxes, and Heating Companies, especially fossil fuel companies, these you can expect. The ones that irk me are the guys that sold me a lawn tractor for $3,000 and issued a one year warranty. We took it back for the free oil change and blade sharpening in the spring before the year was up, to be told the warranty expired at the end of August last year. The tractor was purchased in June of the previous year approx 2 to 3 months warranty. We had to pay $150.00 to get the tractor back, If we hadn’t he would still have the tractor. Since then I spoiled at least 3 sales for him, more to come I hope. Then there is the $25.00 gift certificate my daughter gave me for Father’s day to buy lobster. The bill came to $22.50 and they wouldn’t give me the change. My protest was if the bill had come to $10.00 would he have kept the $15.00? He wouldn’t answer, but by then my voice had risen a few octaves. We won’t be doing business there any more either. I tell everyone I can.
Jack

-- Jack Keefe Shediac NB Canada

View Uncle_Salty's profile

Uncle_Salty

183 posts in 3585 days


#12 posted 09-10-2010 07:04 PM

Woodywoodwrecker: I drove to Texas several years ago to buy a vehicle. Had a similar situation with the sales taxes. However, as soon as I had proof that I paid sales tax in my home state, I was able to send a copy of the receipt to Texas and I got reimbursed for the taxes I paid in Texas.

Not sure what the form was called, as it has been over 5 years ago.

winchesterp

View rivergirl's profile

rivergirl

3201 posts in 3350 days


#13 posted 09-10-2010 07:24 PM

Well Roger, you have spoken as a true Texan. :) I think the “screws” tighten anytime there is government regulation that entails “mandatory” anything. Taxation and insurance are 2 examples of that. PS Woody- I’m thinking that any American who would pay voluntarily pay double sales tax for a foreign car has little room to complain about being screwed. (sorry- just my opinion..)

-- Homer : "Oh, and how is education supposed to make me feel smarter? Besides, every time I learn something new, it pushes some old stuff out of my brain."

View HokieMojo's profile

HokieMojo

2104 posts in 4240 days


#14 posted 09-10-2010 07:36 PM

What US manufacturer made a hybrid in 2004 when Woody bought his car? The only one i can think of is the ford escape and that got 1/2 the MPGs and was hardly comparable. Even on the escape, the transmission was made by Toyota and the batteries were made by Sanyo, two of the most expensive parts on the car.

View jack1's profile

jack1

2130 posts in 4539 days


#15 posted 09-10-2010 07:37 PM

There have been a lot of reassessments here in CA since the real estate values dropped. It’s helped some. I bought 15 years ago when the market was flat so I’m about even… ;0(

-- jack -- ...measure once, curse twice!

View mainah's profile

mainah

6 posts in 3327 days


#16 posted 09-10-2010 07:38 PM

Abbott, I agree about not sweating the small stuff. But you know that we have one of the most precious things in the world. The right to Vote. If something ticks you off, you and a bunch of like minded folks can vote the law or person out. OOH RA USA!

View TopamaxSurvivor's profile

TopamaxSurvivor

18672 posts in 4188 days


#17 posted 09-10-2010 07:44 PM

If we didn’t have one way free trade, foriegn cars would cost more and Americans would still have jobs.

-- Bob in WW ~ "some old things are lovely, warm still with life ... of the forgotten men who made them." - D.H. Lawrence

View helluvawreck's profile

helluvawreck

32086 posts in 3379 days


#18 posted 09-10-2010 07:47 PM

Good point, Topamax.

-- helluvawreck aka Charles, http://woodworkingexpo.wordpress.com

View Knothead62's profile

Knothead62

2600 posts in 3473 days


#19 posted 09-10-2010 08:04 PM

The ol’ USA isn’t perfect but I’ll take it over anything else anyone has come up with! Funny, even with all its problems, etc. guess where people are wanting to come and live!

View helluvawreck's profile

helluvawreck

32086 posts in 3379 days


#20 posted 09-10-2010 08:24 PM

I sure wouldn’t argue with you there, knothead. However, it was once better than what it is today so there is nothing wrong with wanting it to be better tomorrow than it is today is there?

-- helluvawreck aka Charles, http://woodworkingexpo.wordpress.com

View richgreer's profile

richgreer

4541 posts in 3586 days


#21 posted 09-10-2010 08:35 PM

What does this have to do with woodworking?

-- Rich, Cedar Rapids, IA - I'm a woodworker. I don't create beauty, I reveal it.

View TopamaxSurvivor's profile

TopamaxSurvivor

18672 posts in 4188 days


#22 posted 09-10-2010 08:49 PM

Thousands are liquidating their shops at pennies on the dollar; thousands more are having a tough time keeping their mills operating because millions can’t afford to buy wood or handmade products.

-- Bob in WW ~ "some old things are lovely, warm still with life ... of the forgotten men who made them." - D.H. Lawrence

View helluvawreck's profile

helluvawreck

32086 posts in 3379 days


#23 posted 09-10-2010 09:06 PM

Rich, I guess your right; it doesn’t have anything to do with woodworking, but it is the lounge and we are allowed to discuss things according to this sentence: “Chat with your Forum Friends about their projects, their life, their philosophies, and get to know each other better.” So in the lounge we are allowed to discuss all sorts of things – not just woodworking. Now we are not suppose to discuss religion or polititics. But there is an awfully fine line on some subjects so a conversation can drift towards one of these two areas in an awfully big hurry unless you are just a mindless robot; and people are not mindless robots – especially creative people; they are human beings and passions run deep so things will never be perfect. However, to what ever extent I allowed the conversation to drift then I am sorry. How’s that?

-- helluvawreck aka Charles, http://woodworkingexpo.wordpress.com

View helluvawreck's profile

helluvawreck

32086 posts in 3379 days


#24 posted 09-10-2010 10:47 PM

BoiseJoe, I don’t think that I could disagree with anything that you have said there. There is an awful lot of good things to be said about living a simple life. I wish I knew how to find the simple life again; but where do you find it except within your own self. There is no other place that I know of where to look for it except within your own self for, in the final analysis, we cannot change anyone else but ourselves and with God’s help we will.

-- helluvawreck aka Charles, http://woodworkingexpo.wordpress.com

View Jim Jakosh's profile

Jim Jakosh

23387 posts in 3617 days


#25 posted 09-10-2010 11:11 PM

Hi Roger, getting back to the main topic, our taxes actually went down in Gaines Township because the assessed valuation decreased with this economic downturn. Most government taxing bodies are not so honest and they are raising taxes in depressed times.
But Insurance is a big SCREW for your house and car. I evaluate mine every 2 years and shop around. If I find a better price, I give the guys I’m with a chance to match it, if they don’t, they lose my business. State Farm was very arrogant when we had them. They raised the rates steadily every hear would not even budg when I found a better price and they went out in the first found.

The biggest ripoff is income taxes. That is so far off balance, there will soon be no middle class. I’ll stop here becasue it makes me boil to think about it…............

-- Jim Jakosh.....Practical Wood Products...........Learn something new every day!! Variety is the Spice of Life!!

View helluvawreck's profile

helluvawreck

32086 posts in 3379 days


#26 posted 09-10-2010 11:40 PM

To change the subject to woodworking, I believe that one of the reasons that I want to expand my skills with the hand tools is to gain a simpler life. It’s not just that – I really do love the use of hand tools and I really do want to get to know them better. I brought home two very nice pieces of soft maple with me today. One is a 3/4×5-1/2 piece 8 ft long and a piece that is 3/4×9-1/2 8ft long. With these two boards I will build me another utility shop box with hand cut dovetails. I will do this tomorrow. While I’m at it I will look at my tools and my shop and all of my other many blessings, including my freedom to spend a wonderful weekend with my tools and my family. Ain’t life grand?

-- helluvawreck aka Charles, http://woodworkingexpo.wordpress.com

View SnowyRiver's profile

SnowyRiver

51458 posts in 3992 days


#27 posted 09-10-2010 11:48 PM

My insurance on my truck goes down every year as it ages. If yours isnt, I would look for another insurance company. They only pay up to the value of the vehicle if its totally destroyed, so you are getting the shaft if your insurance is going up each year. On property taxes, here where I am, the county has been decreasing the tax rate as housing values fall, but my taxes have gone up slightly simply because the school board cant seem too understand how to save money and they keep asking for school bonds which is driving the taxes back up.

-- Wayne - Plymouth MN

View Catspaw's profile

Catspaw

236 posts in 4327 days


#28 posted 09-11-2010 12:16 AM

Personally, I like the AT&T ad that emphatically states that you can make a call ANYWHERE in the United States!...until you read the fine print at the bottom of the screen that says coverage not available everywhere?!?

I’d have to agree with Boise.

Alot of people don’t like Walmart or whoever. They say support your local business. Well, when I can buy item X for $100 at one place and item X at another for $79….where am I going to buy item X?

Life aint fair…if the big store sells it cheaper…well…too bad I guess. That’s capitalism. You can say things about service and such, but, so many items don’t need service. I’ll buy the $19.95 hammer from the big store before I’ll “support” the little guy who wants $27.95 for the exact same item. Sorry.

And finally, I’m pretty sharp when it comes to marketing and I don’t fall for it. My biggest problem with it is keeping my 86 yr old dad from falling for it. The phrase…”You did WHAT?” is getting too common.

-- arborial reconfiguration specialist

View helluvawreck's profile

helluvawreck

32086 posts in 3379 days


#29 posted 09-11-2010 12:31 AM

“My biggest problem with it is keeping my 86 yr old dad from falling for it. The phrase…”You did WHAT?” is getting too common.”

Catspaw, I love that one. I’m 60 years old. If I have heard it once from my wife I’ve heard it a thousand times.

“You’re just a big overgrown kid”, “What? You need another tool? Just how many tools does a grown man need?”

She’s actually quite right in a lot of ways. As we grow older the kid in us will often come out. My mother and father both lived to be almost 80 – and I loved them both – I can relate to what you said there.

-- helluvawreck aka Charles, http://woodworkingexpo.wordpress.com

View Howie's profile

Howie

2656 posts in 3435 days


#30 posted 09-11-2010 01:48 AM

Hey Snowy, who you got insurance with? I’ve got Allstate, haven’t bought a new car in three years and it never goes anywhere but up. I haven’t seen that check they say you get for being accident free either. Last time I got a premium notice I raised hell with the agent and he said, well they have had two premium increases since your last bill. Duh, I didn’t know that(aren’t they supposed to notify you?) I’m shopping.

-- Life is good.

View ChuckV's profile

ChuckV

3238 posts in 4039 days


#31 posted 09-11-2010 01:57 AM

Roger,

Many municipalities have an appeal process for property taxes. If your property has not been recently appraised, you might want to look into that possibility.

As others have said, your auto collision coverage should drop in price as the value of your vehicle drops. The other coverages, such as liability, might be rising so fast that the total does not decrease. I keep my vehicles for a long time, so at some point I always drop collision coverage. Of course, this requires that you do not have a loan on the vehicle.

-- “Big man, pig man, ha ha, charade you are.” ― R. Waters

View TopamaxSurvivor's profile

TopamaxSurvivor

18672 posts in 4188 days


#32 posted 09-11-2010 02:04 AM

Try The Hartford through AARP. Saved a lot of money using them, over $1,000 / year on auto and house. Statet Farm screwed us one too many times:-)) I would still be paying there high rates if their claims people hadn’t tried to screw us for $1,000- 1,500. Fools cut their own throat :-))

-- Bob in WW ~ "some old things are lovely, warm still with life ... of the forgotten men who made them." - D.H. Lawrence

View lwllms's profile

lwllms

555 posts in 3794 days


#33 posted 09-11-2010 02:21 AM

If I operated my business the same way Wall Street operates, I’d be in jail in a hurry. The biggest scam I know of is Wall Street’s phantom shares scam. For years on any given day, 37.5% of stocks sold didn’t exist and were never delivered to the purchasing portfolio. It was SOP for Wall Street. So when you think of your 401K or other investments shrinking by 40% after the stock market melt-down you’ll know where your money went—to fraud. Don’t believe me? Here’s a link to a .pdf article and it’s not from some left wing organization. It’s from the CATO Institute, which is about as pro-business conservative as organizations come:

http://www.cato.org/pubs/regulation/regv31n1/v31n1-7.pdf

View terrilynne's profile

terrilynne

836 posts in 3405 days


#34 posted 09-11-2010 02:21 AM

How are you doing Roger? I got one for ya,wireless companies have you paying for a service that is [email protected]#ed and have you stuck in a 2 year contract !!

-- Terri, Rocky Mountain High Colorado!

View TopamaxSurvivor's profile

TopamaxSurvivor

18672 posts in 4188 days


#35 posted 09-11-2010 03:27 AM

Last 4 presidents committed felonies, but were never charged. Greenspan maintained that fraud is a market risk and the market will take care of it!! Wonder when it will start?

-- Bob in WW ~ "some old things are lovely, warm still with life ... of the forgotten men who made them." - D.H. Lawrence

View Roger Clark aka Rex's profile

Roger Clark aka Rex

6940 posts in 3947 days


#36 posted 09-11-2010 04:31 AM

Wow, seems like I stirred up a hornets nest.
Referring to my original post, my auto and home insurance is with State Farm and the premiums have never gone down, and no I have never had an auto claim with them since I started with them in 1977.
A few years ago I went to a property tax hearing because my taxes kept going up and got it reduced. It was a ball aching process, photos, maps, house plans and Realtor listings etc. Guess what? , my taxes went back up again the prvious the amount I went to the hearing about in the first place. Since then another County has built a high school in my county, so now I have to pay 2 counties, one I live in and one I don’t.

Adding my comments to what others’ said: Rivergirl: Thanks for compliment, actually I am an English Texan.

Knothead62:
Times have changed. It used to be that decent hard working people sought to come to the US because they saw a chance to make their lives better and live without fear.
Today people want to come to the US because they have a ready made audience for their scams and get rich quick schemes suckering the Young, Old and unsuspecting citizens. It’s a bonanza for these criminals because nobady with stop it.

Boisejoe: Amen. SPQR … look out for a fiddler with matches.

lwllms: Once upon a time there were real estate agents looking to attract new customers. Unfortunately all the customers who qualified for loans and credit were exhausted, so they devised a scheme where lenders would advance credit to clients who did not qualify for normal mortgages. The sub-prime sales took off and banks, insurance companies and mortgage brokers started to make big money.To acquire more cash to services this new “gold mine” the banks, insurance and brokers sold the laons they had already made to other financial institutions WORLDWIDE. The sellers promised these loans were “rock solid”, so lots of unsuspecting fools bought into the toxic loans. Then surprise surprise, the uncreditworthy mortgage holders could not afford the premiums, so the who scheme collapses and sends the world into a financial Holocaust. God old US business at its best??? So because these lenders are now on the rocks, the lucky taxpayers get to bail them out so they can go on again treating us like crap. Something is wrong here !!!!

mainah
But you know that we have one of the most precious things in the world. The right to Vote. If something ticks you off, you and a bunch of like minded folks can vote the law or person out. OOH RA USA!

Almost pee’d myself reading that. Yes we have the right to vote but it seems we don’t have the right to have our votes acted on, even if it is a majority vote. Hate to mention it (for good or bad choices) but I remember the last majority vote on healthcare was for universal healthcare, so what happened there??? The most people voted for it, so it can’t be said that our votes count for anything.

A lot of insight has been generated here, and just for laughs, just how many of you would consider boycotting as a method of getting our complaints heard.

-- Roger-R, Republic of Texas. "Always look on the Bright Side of Life" - An eyeball to eyeball confrontation with a blind person is as complete waste of Time.

View terrilynne's profile

terrilynne

836 posts in 3405 days


#37 posted 09-11-2010 06:02 AM

Life, Liberty and the pursuit of happiness….. What ever happened to that?

-- Terri, Rocky Mountain High Colorado!

View BritBoxmaker's profile

BritBoxmaker

4611 posts in 3548 days


#38 posted 09-11-2010 04:28 PM

Two things in life are certain. Death and taxes.

-- Martyn -- Boxologist, Pattern Juggler and Candyman of the visually challenging.

View Roger Clark aka Rex's profile

Roger Clark aka Rex

6940 posts in 3947 days


#39 posted 09-11-2010 05:05 PM

Martyn:
That is true, but I’d feel better if it were Death and Owing Taxes, but there again the tax people might start selling your body parts to clear the tax debt. :-(

terrilynne:
It is reserved for illegal aliens.

-- Roger-R, Republic of Texas. "Always look on the Bright Side of Life" - An eyeball to eyeball confrontation with a blind person is as complete waste of Time.

View WoodyWoodWrecker's profile

WoodyWoodWrecker

171 posts in 3763 days


#40 posted 09-12-2010 05:06 AM

The reason I purchase a Toyota Prius was because I needed good gas mileage since my company was going to pay me per mile (I wanted to maximize my profit) and the car had good reviews. Like all my major purchases, I look into them carefully. I will say I haven’t got a single complaint about the car even after 116,000 miles. As for buying foreign, I can’t help that almost nothing is made in America any more. A Wal-Mart store would be the size of my bedroom if they only sold American made products. Most anythings that states “built in America” is probably built with foreign parts.

As for the taxes, it wasn’t voluntary. I had no idea that I would owe the Florida taxes until a week or two later. I would buy the car again but I would stay out of Florida when I look for it.

-- You always have tomorrow to stop procrastinating.

View Dark_Lightning's profile

Dark_Lightning

3583 posts in 3621 days


#41 posted 09-12-2010 05:25 AM

You should get a better agent, or something, Roger. I don’t know who you’ve been talking to or dealing with, but all my insurance is with State Farm, and it goes down as the vehicle value decreases. Thanks, Vince (my agent)! Years ago, my wife got in a minor crash (50-50 shared fault), and our rates went up. We sent a not-so-nicely-worded letter detailing what we had spent on insurance, accident-free for decades, and we got it reset to the original rate. Seems like you need to pound the appropriate person…

-- Steven.......Random Orbital Nailer

View SnowyRiver's profile

SnowyRiver

51458 posts in 3992 days


#42 posted 09-12-2010 09:44 PM

Howie…I have had my insurance, including the house, with State Farm for 40 years. I used to think maybe their rates were higher than most, but after looking around a few times, and talking to some insurance brokers I have decided that their rates are pretty competitive. I know they have always paid when I needed them so no problems at all.

-- Wayne - Plymouth MN

View mainah's profile

mainah

6 posts in 3327 days


#43 posted 10-18-2010 06:13 PM

Roger, I stand by what I stated. You may think I was humorous saying what I did but a lot of good people died to give you that right to vote. Some times it might seem fruitless, but if enough of us get really pissed off we can change or eliminate a problem. If you don’t like it here you can always pack up and leave. That is one of your freedoms also.

View Roger Clark aka Rex's profile

Roger Clark aka Rex

6940 posts in 3947 days


#44 posted 10-18-2010 06:33 PM

mainah:
I respect your views totally.
My view however is that trying to rid ourselves of lousy politicians and well connected Government is an arduous task as your vote may get counted but rarely acted upon.
The truth is that we have the best politicians and government money can buy :-)
We seem to have the freedom also to be screwed, even if you do leave, the IRS still owns you A**.

Interesting thread with all views welcomed.

-- Roger-R, Republic of Texas. "Always look on the Bright Side of Life" - An eyeball to eyeball confrontation with a blind person is as complete waste of Time.

View Dan's profile

Dan

3653 posts in 3392 days


#45 posted 10-18-2010 07:33 PM

My family owns an insurance agency and I am a licensed agent and work in sales and service at the agency. There are a lot of factors that go into figuring out insurance rates and each company has their own ways of figuring them out. If your rates are going up don’t blame it on the industry because its more then likely just rate increases with the company you are with.

Also, everyone thinks that insurance companies are screwing them until they have a big claim. One big claim could end up paying out more then you will even pay in insurance premium. I have seen a claims reach several hundred thousand dollars. People hate paying for insurance because its not something they can see or feel but if were to have a big claim I bet they would be very thankful that they had it.

-- Dan - "Collector of Hand Planes"

View rep's profile

rep

95 posts in 3621 days


#46 posted 10-18-2010 08:04 PM

I would not mind the insurance premiums so much if they did not go up when you needed to use the insurance. The way I see it, we agree on (they tell me) the premium, and then they should pay legitimate claims. They should not go up premiums (or cancel) because a claim is needed – I don’t get a refund if no claim is processed. I would allow for a large number of claims requiring some attention, but for normal “use”, the premium should stay the same.

-- rick

View Roger Clark aka Rex's profile

Roger Clark aka Rex

6940 posts in 3947 days


#47 posted 10-18-2010 11:36 PM

Dan and rep:

Thanks for your input.
I do understand that a lot of factors go into formulating an insurance premium.

In my case I have been insured by the same company since 1977 for both auto and dwelling.
The dwelling has had 3 claims in all that time, 2 for tornado roof damage and one for a flooding (about 6”) when pipes and fittings burst.
As far as the auto insurance goes, I have had several vehicles over this period and I tend to keep my vehicles 5 or more years. In all that time I have never had a claim, and my point is that when you take out the insurance on the new car, a rate is set, but this rate does not reflect the drop in value of the vehicle over the time you have it. Therefore it could work out that if the vehicle was purchased for $20,000.00, it’s value can only be that much for 1 year (if that), and you could conceivably find yourself some years after purchasing the vehicle having a write-off value of ZERO because your deductible is then worth more than your vehicle :-) :-( So in effect only the 3rd party is then insured.
I may just be with a bad company who are supposed to be my good neighbor!

-- Roger-R, Republic of Texas. "Always look on the Bright Side of Life" - An eyeball to eyeball confrontation with a blind person is as complete waste of Time.

View TopamaxSurvivor's profile

TopamaxSurvivor

18672 posts in 4188 days


#48 posted 10-19-2010 12:22 AM

Roger, My good neighbor screwed me one too many times, so I moved to Hartford and saved $1,000 a year :-) If they had just treated us fairly, we’d still be paying them the extra 1K a year :-(( Sort of screwed themselves ;-))

In the 93 earthquake, Farmers, State Farm, Allstate and some others were exposed by CBS’s 60 Minutes as paying only 40-60% what ws due the homeowners. A woman in the ins commissioners office discovered this and the commissioner stopped and action. He took a lot of campaign contributions and move to Hawaii. The Feds investigated, but could find no evidence of wrong doing.

-- Bob in WW ~ "some old things are lovely, warm still with life ... of the forgotten men who made them." - D.H. Lawrence

View TopamaxSurvivor's profile

TopamaxSurvivor

18672 posts in 4188 days


#49 posted 10-19-2010 03:05 AM

How can they appraise a house when there are houses all over that won’t sell?

-- Bob in WW ~ "some old things are lovely, warm still with life ... of the forgotten men who made them." - D.H. Lawrence

View mainah's profile

mainah

6 posts in 3327 days


#50 posted 10-19-2010 03:16 PM

Roger, I agree that our Government is way out of hand and has too many bloodsucking bureaucrats a the public teat. I know it’s frustrating to me also but the only way we are going to get rid of them is to elect people that have the cojones to cut them down to size. Too top heavy. But we also have to give these people a huge amount of support to protect them from the Buries.Who are usually protected by other Bozo’s with a personal agenda. The Founding Fathers have probably rolled many times when they see what kid of a mess we’re in.

Have your say...

You must be signed in to reply.

1 2 next »
83 replies


DISCLAIMER: Any posts on LJ are posted by individuals acting in their own right and do not necessarily reflect the views of LJ. LJ will not be held liable for the actions of any user.

Latest Projects | Latest Blog Entries | Latest Forum Topics

HomeRefurbers.com