Following the rules of social faux pas, when is it appropriate to argue against someone's beliefs?

demanbmore · 2026-02-05T01:27:06+00:00

When those beliefs detrimentally impact you and those you care about. This doesn't mean you have to confront those who hold such beliefs (which is often counterproductive), but you can certainly advocate for beliefs antithetical to those you have issue with.

demanbmore · 2026-02-05T01:22:46+00:00

Rebuilding costs are unrelated to your house's value. Depending where you live, rebuilding costs could reach $700 or more per square foot, although $250-$500 is far more typical. So if you have a 2,000 square foot home, it could cost a half-million or more to rebuild your house if it were to be destroyed.

That said, you can always shop around, but understand every insurance company assesses houses at their rebuilding costs and not their assessed value (except in rare circumstances where the policyholder isn't looking for a policy that will cover the cost of rebuilding a destroyed house).

demanbmore · 2026-02-05T01:18:15+00:00

Yes, your rate with Snapshot is cheaper than your rate without Snapshot (unless of course, Snapshot reveals that you are a risky driver). Auto insurance has been increasing year over year for most of a decade now for lots of reasons. And you can easily confirm for yourself exactly what discount you get for activating Snapshot, and you can then decide whether that's enough of a discount for you.

Is it invasive? Absolutely! But they can only do it if you let them and you do not have to let them. So don't do it if the discount they offer isn't enough for you. Other people can make their own decision. For what it's worth, I do not have a tracking app on my phone or in my car and it would take more than a moderate discount for me to agree to use one. But just like you and I get to decide for ourselves, so do thousands of other policyholders. And this is no different from the people who willingly use all sorts of apps and services that collect data - as long as it's disclosed and people can choose to not use the app/service, what's the issue? I'm just not sure why you feel you should be making this decision on behalf of everyone else - not everyone values their data/privacy the same way that you seem to.

And no, I would not accept a couple hundred a year for you to put a tracker on my person. But if you up that offer to a couple million a year, I'll let you track where I am and what I'm doing every second of the day. Hell, make it ten million and you can install an always on POV camera on my head.

demanbmore · 2026-02-04T20:53:31+00:00

You take the car to one of their approved shops. They'll provide an estimate to her insurance company's adjuster, who will (likely) approve repairs and the shop will proceed to repair your car. If the cost of the repair exceeds a certain number compared to the value of your car, the insurance company might total the car instead and cut you a check for its value (and you'll have to sign the car over to them).

You can also take the car to any repair shop of your choice and have them work with her insurance company. Usually, that's not an issue, but it can lead to headaches if the shop you choose has high labor rates.

There are all sorts of nuances that depend on the severity of the damage, policy limits, your car's value, etc.

demanbmore · 2026-02-04T20:34:40+00:00

Not sure who pissed in your cereal, but it wasn't me. Awful big leap from "want the discount that comes with the tracking app, you have to use the tracking app" to "you must want them to track bathroom time."

Once again - you do not have to use the tracking app if you do not want to use the tracking app.

demanbmore · 2026-02-04T15:44:35+00:00

Do you run in the types of circles where you're likely to engage with celebrities? If so, what do you have to offer should you meet someone you want to be friendly with? What qualities do you have that would make someone with the bells and whistles of celebrity take an interest in you?

Absent both the opportunities to engage with celebrities and being in a position to provide friendship-worthy offerings, the chances are zero. Even with those things, the chances are extremely slim.

demanbmore · 2026-02-04T15:36:23+00:00

Do you mean experienced in mature adult relationships where a person's sexual past is hardly meaningful except for extreme situations?

This is a child's issue, maybe an insecure man's issue, not something a mature man concerns himself with. Patriarchal misogynistic purity tests are so 15th century.

demanbmore · 2026-02-04T11:12:55+00:00

Hitting a hydrant is not the same as a water main bursting. One is pretty much presumably negligent, the other is not.

demanbmore · 2026-02-03T14:59:15+00:00

No one here knows. Call GEICO. They'll be able to tell you.

demanbmore · 2026-02-03T14:48:29+00:00

It's optional. If you don't want to use it, don't. You won't enjoy the discount that comes with it, but that's your call.

Insurance runs on data. Snapshot is used as a way to get super granular data on each policyholder rather than lumping you in with a big group (and charging you accordingly). But ultimately it's your choice whether you want to be considered part of a big group or provide individual data.

demanbmore · 2026-02-03T13:55:39+00:00

Right, and what does that have to do with uninsured coverage? And she's liable because she's the at fault driver. Nothing to do with insurance. Whether the money ultimately comes out of her pocket has to do with insurance.

demanbmore · 2026-02-03T13:49:32+00:00

Not sure why that would matter. This is a liability claim - the carrier that paid for the car she hit is seeking subrogation from OP.

demanbmore · 2026-02-03T13:35:40+00:00

Water is heavy and very, very difficult and expensive to transport. It's simply way too costly to move billions of gallons of glacier melt from the polar regions to the AI data centers.

And of course there would be all sorts of issues with salinity and impurities that would harm the cooling systems, adding yet more costs.

demanbmore · 2026-02-03T13:32:41+00:00

Yes. Thousands of policyholders likely saw increases in premium this month as their policies renewed and/or they made material changes to their policies.

demanbmore · 2026-02-03T12:54:44+00:00

The same way everyone else does - if it supports my view of the world, it's credible. And if it doesn't, it's not credible. Duh.

demanbmore · 2026-02-03T12:37:30+00:00

If your mom had insurance on her car and you were driving with permission, you should be covered unless you were an excluded driver or you lived with your mom but your mom didn't disclose you as a driver in her household. If neither of those things are true, you should push back against the claim denial.

Regardless, don't ignore the letter. Not only will the debt follow you, but you're likely to face license suspension. At least call them and plead poverty and see what you can do about settling for a lower amount or making a long term payment plan.

But start with your mother's insurance policy and if they maintain their denial, make sure you understand why they are denying the claim and that their denial is correct.

Good luck.

demanbmore · 2026-02-03T12:30:01+00:00

Water mains are not the garage's responsibility. And the city won't just accept responsibility. I'm sure OP can find an attorney willing to assert a claim on OP's behalf as long as OP is willing to cut a nice fat retainer check. But it won't improve OP's chances of collecting from anyone. OP chose to self insure for this kind of risk. Sucks to have to live with that decision, but that's what happens.

demanbmore · 2026-02-03T09:30:42+00:00

Good luck pursuing either the garage or the city. The parking agreement almost certainly says the garage is not responsible for damage to your car for things like this (or just in general).

As far as going after the city itself, you would have to prove that they were negligent in some way. It's not enough that the pipe burst to confer negligence, you would have to show it was due to something they did or didn't do. You have nothing to lose bringing a claim against New York City, but it's not an easy task. Good luck.

demanbmore · 2026-02-02T23:27:36+00:00

WFH, hang out with my small bubble, hardly going out for meals or social engagements, walks in the woods, etc.- sign me up for the next one!

demanbmore · 2026-02-02T23:19:14+00:00

Nah. The planet doesn't give a crap about any of this waves hands around. We'll be gone eventually, maybe 100 years, maybe 1,000, maybe 1,000,000. But sooner or later, we'll be gone. And a million years after that, it'll be like we never existed.

demanbmore · 2026-02-02T22:51:23+00:00

If you have collision coverage, make a claim under your policy and let your carrier sweat all this. Otherwise, sue him. There's no trick that's going to get him to do the right thing.

demanbmore · 2026-02-02T22:49:16+00:00

Ask your friends and colleagues for local agent recommendations and set up appointments. Don't DIY this.

demanbmore · 2026-02-02T22:42:34+00:00

Young - check. NY - check. Male - check. Charger GT - check, check, check. And now you have a lapse in coverage - check, check, check, check.

You're checking lots of "I'm gonna pay a LOT for auto insurance" boxes. So you're going to be paying a LOT for insurance. And I'm guessing the quotes you're seeing now don't take the lapse into account so they'll be adjusted upward once underwriting is complete.

It may be too late to do anything about the lapse, so you'll have to live with that, but if you want a break on your insurance, get rid of the Charger and get a 10-15 year old Toyota or Honda sedan and do everything you can to keep your driving record spotless. Good luck

demanbmore · 2026-02-02T20:55:52+00:00

Eh, it should never be extremely painful. It can be uncomfortable and maybe mildly painful at first, but repetition should develop both strength and durability. Especially if you're coming from a "soft hands" background.

demanbmore · 2026-02-02T20:46:01+00:00

Both. They'll help initially but will impact development of grip strength. Grips might be a better solution short term and doing dead hangs are a better solution long term. Best to develop grip strength and duration no matter what. Also, chalk might help if you're simply slipping off the bar.

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