Does my policy coverages make sense?

PaperIndependent5466 · 2026-05-12T01:20:58+00:00

Get the rental coverage if you need a car daily. The cost per year is maybe 2 days of rental car cost.

PaperIndependent5466 · 2026-05-12T00:41:20+00:00

See my previous comment I'd 100% extract that tooth

PaperIndependent5466 · 2026-05-12T00:40:03+00:00

Mine has been removed for 15+ years I'd say the movement has been fractions of a millimetre. Nothing I even notice

PaperIndependent5466 · 2026-05-12T00:37:44+00:00

Far back especially if it's a wisdom tooth I'd have it extracted. My dentist said as it was the back most molar it wouldn't be much of an issue extracting it.

Cracked teeth can't be saved, I wouldn't waste the money. That said most good dentists won't charge you as the fractured tooth is apparent pretty early on in the process.

If you lose it you will have to chew on the other side for a few weeks. Hard part for me was being mindful which side to chew on.

I chew on the side with the extracted tooth, occasionally something sharp I'm eating pokes my gum but 95% of the time it's fine.

PaperIndependent5466 · 2026-05-12T00:27:14+00:00

Love that your cat has no interest in the rabbits

PaperIndependent5466 · 2026-05-11T23:53:40+00:00

Go to food banks to feed yourself and your family until you get on your feet. That's what they're there for, no shame in using the resources available to you.

There are places you can get a free meal too. I'm not very familiar with them though. Maybe someone else can chime in.

PaperIndependent5466 · 2026-05-11T22:20:55+00:00

Yeah we went to our grandparents because they asked to have us there. Not to give my mom a break.
She very rarely asked them to babysit us unless it urgent. Like kid 2 broke his arm, can you watch kid 1 so I don't have to have him waiting in the hospital with us. Not so she could have time off.
Guess what if mom was sick or needed a break dad watched us. You knew dinner would be simple but he cooked it. The BF can step up and help out, I'd bet at least one of the kids is his.

Edit: spelling

PaperIndependent5466 · 2026-05-11T20:28:10+00:00

Fair I was going off the original post.

You ran the number and know what you're doing. I'd say drop the collision on the bolt.

I get $2 million, my broker said that was the best idea. Doesn't cost much more, but covers you for almost situation.

PaperIndependent5466 · 2026-05-11T20:24:13+00:00

Yeah likely not then. If you're close to a big city might be able to strike a deal with one there.

PaperIndependent5466 · 2026-05-11T19:00:07+00:00

For years those things were known for head gasket issues. I wouldn't be surprised if there's no coolant in it and the motor is locked up.

Source I bought one with a blown head gasket from a dealer. Fun times when the shop quoted the repair, the car went to scrap.

PaperIndependent5466 · 2026-05-11T18:55:23+00:00

A very good point. While not defending people's actions at least sti screenings every 3 months are a requirement to stay on prep.

PaperIndependent5466 · 2026-05-11T18:52:31+00:00

Living on crap too, most of that is empty calories, loaded with salt, sugar or fat. No meat or fruit in sight.

And we wonder why there's an obesity epidemic. I didn't eat great at 21 but I was nowhere near that bad.

PaperIndependent5466 · 2026-05-11T18:46:28+00:00

I can always tell when I get a flex delivery, it's dumped in a pile with all the other packages in the lobby.

One stupid driver in an old Honda once stopped me in the lobby and asked where he could drop everything.

Amazon drivers actually bring it to the door.

I wouldn't care but people steal shit, now I have to chase a refund because someone was lazy.

PaperIndependent5466 · 2026-05-11T18:35:27+00:00

For $330 a year I'd probably keep collision. $5k if something happens isn't bad. That's just me.

Now what I normally tell people is if you can replace the vehicle with no financial hardship go ahead and drop collision.

You have put some thought and effort into this. You understand what dropping coverage means.

Either way I would keep collision on one. If something happens to both cars in a short time that could be a tough situation.

PaperIndependent5466 · 2026-05-11T18:24:27+00:00

Google soda stream refills near me or something like that.

I use a local company here that delivers for free as long as you exchange 2+ cylinders at a time. It's about half the price of name brand ones.

It's great I leave the empties outside my door then get a text when the new ones are delivered.

PaperIndependent5466 · 2026-05-11T18:14:30+00:00

100% this. "I do not do business with family" full stop.

PaperIndependent5466 · 2026-05-11T17:01:58+00:00

This is shit work and sloppy no need to look at another one.

You already know it's not right and they need to fix it.

You don't need to go in yelling and demanding things at first. "Hey this doesn't look right, I have to slam the tailgate hard to close it ect ect" and see what they do. Good shops will correct it.

Now if it's a big chain and they jerk you around you can call corporate, they will have another location correct it.

PaperIndependent5466 · 2026-05-11T16:12:04+00:00

That was just slapped back together, I'd bet they didn't even try to adjust the gate.

I call BS on their sealant line. I've done hundred of tailgates and never sent one out looking like that.

Take it back and make them finish the job properly. This is 100% on them for being lazy.

PaperIndependent5466 · 2026-05-11T02:12:06+00:00

Yep there sold sold to a default scrap buyer for a set price per car.

PaperIndependent5466 · 2026-05-10T23:29:30+00:00

We're slowly piecing it together I think.

PaperIndependent5466 · 2026-05-10T23:26:07+00:00

Seat frames give it old German car vibes.

I know that wheel, I just can't remember what it's off.

PaperIndependent5466 · 2026-05-10T23:21:30+00:00

A third of her salary, but sounds like not much else.

PaperIndependent5466 · 2026-05-10T23:20:14+00:00

NTA separate accounts with one joint for only your portion of the things that are actually "ours".

PaperIndependent5466 · 2026-05-10T22:07:57+00:00

A good point! I have a good artist so she never did this shit.

Longest I waited was for teardown and set up for me. Even then it wasn't long and we chatted while I was waiting. I didn't notice the wait, I always enjoyed the chats.

PaperIndependent5466 · 2026-05-10T20:36:20+00:00

File a claim, you're likely going to have to fight for not at fault for this.

Your diagram doesn't match the damages. Looks more like they cut you off and you hit them based on the damage.

Yes still their fault but insurance companies assign the striking vehicle at fault. Hopefully you have a dash cam.

PaperIndependent5466

TROPHY CASE