I've been hit

sittingduck

Dennis P. Harris wrote:

> you probably haven't yet been screwed by the insurance
> slimeballs. once you have, you'll be singing a different tune.

I used to be a carpenter, and helped build an insurance office once.

I have NEVER EVER seen so much money poured into offices in my life. These
fuckers had oak and cherry ceilings, hugely expensive fixtures, it was
amazing. They obviously had WAY TOO MUCH MONEY to throw away.

Jym Dyer

> The bottom line is that I'm ok, ...

=v= You don't know that until you've been checked over by
a doctor. Seriously.

=v= Also, you probably shouldn't declare such information in
a public newsgroup, which the motorist's insurance company's
lawyers might possibly be reading.
<_Jym_>

Jym Dyer

> There are guidelines and standard procedures for these kinds
> of things. You are entitled to almost immediate reimbursement
> for your property losses and, on top of that, anything from
> three to five times your medical bills, lost wages and the
> like.

=v= This is true. You can go into pre-trial mediation and be
told that, and come to an agreement. But perhaps the insurance
company's lawyers will pull last-minute tricks, make lowballing
offers (threatening to take it to trial), etc. THAT IS THEIR
JOB. They exist solely to make the insurance company's payouts
as low as they can get away with.

=v= You seem to have been lucky. That doesn't mean others have
been or will be.
<_Jym_>

Jym Dyer

>> I'm sick of all the litigious bastards in this country!
> Worth repeating.

=v= Repetition is mindless. The spectre of "all the litigious
bastards" is a bogus one. No doubt somebody's going to pull
out the McDonald's canard somewhere in this thread huh?

=v= I'm all for people and institutions being accountable for
the consequences of their actions. Establishment interests
in the U.S. manage to avoid accountability to an astonishing
degree, but occasionally -- and it ought to be stressed that
we're talking about only a *fraction* of incidents -- a jury
of citizens will try to hold a guilty party accountable. It
doesn't happen much, but when it does, we get heavy-duty
squawking about litigation out of control and a need for tort
"reform" and mindless parroting of that on Usenet.
<_Jym_>

Pat

"sittingduck" <email.to.sitting-duck@spamgourmet.com> wrote in message
news:Xns94E368D96E8E8duckrulestheuniverse@140.99.99.130...
> Dennis P. Harris wrote:
>
> > you probably haven't yet been screwed by the insurance
> > slimeballs. once you have, you'll be singing a different tune.
>
> I used to be a carpenter, and helped build an insurance office once.
>
> I have NEVER EVER seen so much money poured into offices in my life. These
> fuckers had oak and cherry ceilings, hugely expensive fixtures, it was
> amazing. They obviously had WAY TOO MUCH MONEY to throw away.

Excuse me, but was that money really "thrown away"? Wasn't it used to buy
products manufactured by people and to employ builders, electricians,
plumbers and, yes, carpenters such as yourself, thus putting money into the
economy? Would it have been better for them to buy cheap furniture from
China perhaps and install it themselves?

Pat in TX

sittingduck

Pat wrote:

> Excuse me, but was that money really "thrown away"? Wasn't it used to buy
> products manufactured by people and to employ builders, electricians,
> plumbers and, yes, carpenters such as yourself, thus putting money into the
> economy? Would it have been better for them to buy cheap furniture from
> China perhaps and install it themselves?

I was using it to illustrate the point that insurance is a very lucrative
business. The rates everyone pays support their opulence. If you are happy
lining their pockets, so be it. I for one, AM NOT.

Pat

>
> I was using it to illustrate the point that insurance is a very lucrative
> business. The rates everyone pays support their opulence. If you are happy
> lining their pockets, so be it. I for one, AM NOT.

Nobody is forcing you to buy insurance. So put your money where your mouth
is and don't buy it!! It's that simple. Step up.

Pat in TX

sittingduck

Pat wrote:

> Nobody is forcing you to buy insurance. So put your money where your mouth
> is and don't buy it!! It's that simple. Step up.

Nobody is forcing you to use any common sense or logic either....

So far you are doing really well without it.

S o r n i

Pat wrote:
>
> Nobody is forcing you to buy insurance.

I take it you don't live in California?

Bill "only health insurance by choice" S.

Pat

>
> > Nobody is forcing you to buy insurance. So put your money where your
mouth
> > is and don't buy it!! It's that simple. Step up.

>
> Nobody is forcing you to use any common sense or logic either....
>
> So far you are doing really well without it.

Oh yeah? Explain that. You can put up a surety bond and go without
insurance. All you want to do is complain.

Pat in TX

Dennis P. Harris

On Sat, 08 May 2004 12:09:22 GMT in rec.bicycles.misc, "curt"
<nospam@verizon.net> wrote:

> I personally could care less about the terms of my insurance company. I
> know that is a racket and we are forced into having to pay some outrageous
> amount of money every year.
>
then i guess that you won't care when they cancel your policy
when they find out you didn't report an accident and you become a
high-risk pool candidate, with even more exhorbitant rates.

curt

"Pat" <me@privacy.net> wrote in message news:2g468fF45ptdU1@uni-berlin.de...
>
> > It is done all the time. You report something to an Insurance company
> your rates will go up and you will end up paying more in the long run. I
> would never report anything to my insurance company unless it was a very
big
> accident. You would be a fool to do so, unless you are the type of person
> to roll over credit card debt all the time.
> >
> > Curt
>
> Sure, it's done all the time, but the insurance companies have rules
against
> it. Somewhere in your insurance contract, it says you are required to
> report ALL accidents. lf not, they could cancel your insurance because of
> suspected fraud from your side.
>
> Pat in TX

That may be Pat, but there is no way in hell that I would adhere to that. I
don't care if it breaking the law or not. The only reason they put that in
is so they can raise my insurance rates. I personally think that should be
illegal for insurance companies to have that in there. They have us where
they want us as it is let alone telling us we can't pay for a wreck if we
want to.

I certainly don't like insurance companies, so I guess that is why I would
see what the person who hit me wants to do first. If it goes through her
insurance I would wait and see what they offer. If it is a bad offer, then
I would counter and if they don't listen then I would threaten that I will
hire an attorney and that works for me. If I need an attorney in the end, I
can always hire one. I am not dumb enough to sign anything unless I want
to.

Curt

curt

I have not looked into self insuring for years, but last time I looked you
had to put up $20,000 and just let is sit there collecting no interest or
anything. Now that may have changed, but I doubt it. Also, if you self
insure you are taking too big of a risk with the way Americans are sue
happy. As you can tell by the responses here, you can not self insure
anymore. People have changed too much in this country. It has become very
very aggressive. It is apparent in the cars we drive (huge SUV's) and the
way we drive....aggressively. People don't have time for anything around
here. Everyone is in a huge rush to get nowhere and when you met someone on
the street now, they look at you as competition instead of a possible
friend.

Enjoy,
Curt


"Pat" <me@privacy.net> wrote in message news:2g46daF4b5j1U1@uni-berlin.de...
>
> >
> > Wow, and I thought I had a bad view of what America is like. I guess
you
> > feel most folks are really trying to stick it to you. You are probably
> > right. I should follow the masses and file a law suit to see how much I
> can
> > get.
> >
> > I personally could care less about the terms of my insurance company. I
> > know that is a racket and we are forced into having to pay some
outrageous
> > amount of money every year.
> >
> > Curt
>
> 1. you DO have an unwarranted bad view of what America is like.
> 2. you may not care about the terms of your insurance company, but you
have
> to realize that the insurance company cares a great deal. Go ahead and not
> file--but this could come back to bite you in the end.
> 3. if you think it's a "racket" then Self-Insure. It's done all the time,
> too. Put your money up front to self-insure your belongings and forget
about
> the insurance companies. It's your choice, after all.
>
> Pat in TX
> >
> >
>
>

curt

"Dennis P. Harris" <NO_SPAM_TO_dpharris@gci.net> wrote in message
newslnr90dccglqn32p8dpmpa64e5782sh63g@4ax.com...
> On Sat, 08 May 2004 12:09:22 GMT in rec.bicycles.misc, "curt"
> <nospam@verizon.net> wrote:
>
> > I personally could care less about the terms of my insurance company. I
> > know that is a racket and we are forced into having to pay some
outrageous
> > amount of money every year.
> >
> then i guess that you won't care when they cancel your policy
> when they find out you didn't report an accident and you become a
> high-risk pool candidate, with even more exhorbitant rates.

I have no idea how they could ever find out. It is no ones business, but my
own. If they some how do find out, I will tell them to stick it up theirs
and then I will have to self insure.

Curt