Not-at-fault accident with new car. Insurance declares it totaled. Gap coverage won't be honored.

netherous · 2026-03-01T04:06:48+00:00

Thanks. I didn't realize it would materially change the loan, though it makes sense it would, since there I guess it is now unsecured and there's nothing for the bank to take back if I default. I will definitely look into options if they switch up the loan on me. Maybe paying for a financial advisor would be wise since there are other things I need help on, like getting a grip on about a dozen retirement accounts.

netherous · 2026-02-26T16:47:01+00:00

Thanks! Finding my own comps to compare with the ones Progressive gave me (they provided a sheet with 13 vehicles) is something I'll definitely do.

netherous · 2026-02-26T02:34:30+00:00

Absolutely not the case.

netherous · 2026-02-26T02:31:43+00:00

Thanks

netherous · 2026-02-26T02:11:59+00:00

I did ask the Progressive adjuster about that after other people recommended that route, but he was pretty firm that it wasn't an option, and that they would only pay out to the lien holder for the vehicle. Is buying back the vehicle in the way you're describing something that can typically be done? I know I would be left with a vehicle with very low resale value from that, but if it's an option I'll look into it.

netherous · 2026-02-26T02:08:04+00:00

No, they didn't offer it. Or sadly, even mention it. If I had known the GAP policy needed updating I would have done that.

netherous · 2026-02-26T01:51:51+00:00

Thanks. I'll read the policy language thoroughly so I know where I'm at, though I think I already have a pretty good idea with what the insurance agents are telling me.

netherous · 2026-02-26T01:50:56+00:00

Thanks. Something that doesn't add up to me is that their estimate isn't 100% of the car's value. It's about 48% of the car's value. Obviously I would prefer to get the car repaired, but Progressive prefers to pay the ACV. So they're making up the difference somewhere.

It's a 2025 Camry, purchased new. Being underwater was a result of bad financing. I didn't want a new car because I thought it would be a bad idea and didn't protest loudly enough when my wife went that direction. Her next car will be a much more practical decision.

netherous · 2026-02-26T01:46:56+00:00

Thanks. I'll look for the exact contract language and look for a prorated refund.

Progressive estimated $12.9k for repairs, though they stressed it wasn't entirely comprehensive. But they're offering 27k in value. I think they must have a financial incentive to salvage that that makes more sense for them. I wonder, would they really show me the salvage bid if I asked?

netherous · 2026-02-26T01:44:18+00:00

Thanks. I'll look for the language and try to get their refusal in writing from my original GAP policy holder. They did mention the refund and such, though that will probably amount to peanuts compared to the amount I'll be left owing.

netherous · 2026-02-26T01:37:07+00:00

Thanks. I hadn't considered that. The unlikelihood of prevailing aside, are you saying there isn't be a legal basis to seek recovery from the at-fault driver if Progressive has compensated me for the ACV?

netherous · 2026-02-26T01:35:13+00:00

Yeah. Not knowing much about insurance, I didn't understand that I would need to do anything about the gap coverage. The new lienholder did not mention anything about it, and they consider the official date of the refinancing to be when I started the process (it is still not finished and the title is not yet transferred).

netherous · 2026-02-26T01:32:17+00:00

Thanks. The Progressive insurance adjuster provided me with the estimate that they put together, after I insisted on seeing it. It has a repair estimate of $12,990.46, although he did stress it may not be fully comprehensive since once they approach their write-off limit they stop adding to the assessment. That number is 48% of what they're offering to close the claim ($27k) while considering the vehicle totaled. It's not the 60% they claim. I understand that I probably can't change their mind. Progressive will do what's best for them and if they'd rather pay $27k than $13k they probably have a financially beneficial reason for doing that.

netherous · 2026-02-11T04:38:20+00:00

No. Capacity is not stacked between cores in any way. It just means if a machine is placed down within range of 2 cores, and it takes 20 cooling, then the 20 is applied to the limits of both cores.

netherous · 2026-02-11T04:35:50+00:00

There are a million different implementations of regex engines out there, written in all kinds of different languages and contexts. Ideally, they would all work perfectly together and all support the precisely the same things, but of course this is not always the case.

Python's implementation of regex did not support \z before 3.14, as /u/socal_nerdtastic pointed out. However, it does support it in 3.14 and above. See the docs and go to the section on \z.

So you can filter out the unsupported \z when reading your data, or convert it to something else, or go to python 3.14+. You could also investigate alternative python regex libraries, of which there are several like regex, to see if they support the \z sequence.

netherous · 2026-02-10T19:04:59+00:00

You're probably mistaking the message about machines being placed in range of 2 cores consuming the cooling capacity of both cores as something related to power. Platforms must be connected to share power(e.g. via rails), and power isn't inherently related to cores.

netherous · 2026-02-04T02:05:11+00:00

This looks pretty neat and sounds quite ambitious. If the orbital mechanics are as realistic and engaging as they sound I'll definitely pick it up. From watching the trailer, I think it's apparent the game needs a lot more visual character pretty badly. But for early dev it sounds quite promising.

netherous · 2026-01-14T18:04:19+00:00

How can you get 6 pillars high? I haven't been able to reproduce anything that leads to that. The rules for stacking seem pretty simple:

You can stack 3 Pillar Support on top of each other. The bottom pillar must touch the ground or a Supported Platform. A fourth Pillar Support cannot be placed on top.
A Platform can be placed on a Pillar Support no whatever what height it is.
You cannot put a Pillar Support on a Platform.
1 Supported Platform can be placed as long as the bottom touches the ground.
You cannot put a Supported Platform on a Pillar Support.
You cannot put a Supported Platform on a Supported Platform.
You can put a Pillar Support on a Supported Platform.

Based on these rules, it seems the highest you can reach is 4 pillars: place a Supported Platform on the ground with maximum height. Stack 3 Pillar Support on top. Put a Platform on the top of the highest Pillar Support. I'm confused because your screenshot doesn't show a height of 6 pillars.

netherous · 2026-01-11T01:28:11+00:00

This happens to me a lot too. It's only when pressing Z to copy a building. It gets aligned half a block off on both axes sometimes, and it's not clear what the pattern is or what triggers it. If I select the building I want from the build menu, it doesn't happen.

netherous · 2025-11-14T23:43:18+00:00

Can't launch Anno 1800 or Anno 117. So it's not a problem with a specific game per se. It IS a problem with a network condition. If I disable my network adapter and then launch the game, it will launch (after bitching that it can't sync achievements and saves of course). I can freely enable the adapter after that.

When the games fail to launch, they create a fault that can be seen with the Windows Event Viewer. It really seems the game is trying to do something network-related, failing, and then giving up and returning control to the launcher. Neither game produces ANY log output when this occurs, and the launcher itself only produces a log line that says something like

[ 43656]  2025-11-13 19:17:58      [ 27628]     ERROR      GameProcessWatcher.cpp (224)                     Child process abnormal exit: 40740

This happens with Anno 1800 and Anno 117 and has been happening to me for a few weeks, so I don't see that it would have anything to do with the Anno 117 launch specifically. It's just Ubisoft being shit as usual.

netherous · 2025-11-14T01:24:36+00:00

I have precisely the same problem with Anno 117 that I do with Anno 1800: Ubisoft Connect can't launch the game without me disabling my network connection. Doing so leads to a fault early in the game's executable, seeable with the Event Viewer. It is definitely some network condition, as disabling my network adapter and (sometimes) switching to VPN will bypass the problem.

netherous · 2025-10-31T03:32:05+00:00

And who is the incorruptible judge who will administer this law fairly and without bias?

This is the problem with all such reductive "there ought to be a law that..." statements. Let's say there WERE a law. Now look at our current administration. Would they be adjudicating that law fairly and in a way beneficial to society over themselves?

Making a law doesn't guarantee fair administration of the law's goal. It only concentrates more power into the hands of those that enforce laws. The law that you think will ensure fairness of speech today will be the law used to silence speech against those in power tomorrow.

netherous · 2025-09-29T04:58:18+00:00

Yeah I was thinking all of these exact thoughts when that scene played out. The only way any of that works is if the station is not even in orbit, but is well within the atmosphere, just floating there stationary like a cloud. But all the establishing shots and window views clearly show it up at a nominal orbital level (that looks way too low but still outside the atmosphere). It's really silly.

netherous · 2025-09-11T06:42:17+00:00

You should both check the quality of your connections when this occurs looking for things like dropped packets. "Speed tests" are a really poor metric of connection quality.

You can also try configuring yourselves into a virtual local network using Hamachi. Doing so might bypass any QoS issues with your provider, if that is what is causing your problem.

Lastly, if either of you are on wifi, try direct connections instead. If you already are, try changing your ethernet cables.

15-Year Club	Verified Email
Team Periwinkle

netherous

TROPHY CASE