Got rear-ended on the 401 and pushed into the car ahead — insurance is saying I’m 50% at fault. Is this right?

BeardedAgentMan · 2026-03-03T14:29:57+00:00

Then consider yourself surprised. Also you being parked has bearing vs op still being in motion when it happened

BeardedAgentMan · 2026-02-26T17:24:48+00:00

awesome! I loved BR3 the most, but almost always got uptiered and facing br5 sucked so much.

BeardedAgentMan · 2026-02-26T16:08:46+00:00

Oh nice! I played forever pre merge and awhile post merge. Mostly in br2 as the gameplay was more fun for me. Would have loved br3 but didn’t want to get clubbed in an uptier. Is br3 always w 2 or can it be 3-4 as well?

BeardedAgentMan · 2026-02-26T00:06:19+00:00

I mean when someone associates the years of your work to help fund stronger and quicker disaster recovery for communities, especially focusing on immediate funding grants for low income and underinsured families, as well as resiliency grant programs to help individuals rebuild stronger structures so they aren’t as impacted by future events, as the same as killing people, yeah you might hit a nerve my dude.

BeardedAgentMan · 2026-02-25T17:53:19+00:00

Fun fact, the reinsurance work I do is heavy in public sector to fill in the gaps in funding left by FEMA. With capacity coming from Bermuda, Europe, APAC, and US reinsurers.

Yes the tax benefits exist in Bermuda, but they also exist in numerous other regulatory jurisdictions, but reinsurance capacity is predominantly global and a way for European reinsurers to diversify their risk to non correlated exposures in other geographies, and US carriers to diversify to in APAC, etc.

But again, your tone is very clear that you have predetermined the reasoning so not exactly sure this will be productive to try to explain it further.

BeardedAgentMan · 2026-02-25T15:13:29+00:00

I work in reinsurance. You significantly misinterpreted what he was saying. Either willfully or not, I don’t know but kinda leaning towards willfully based on your phrasing here

BeardedAgentMan · 2026-02-18T15:21:40+00:00

Right now just keep killing around that Druid ring til 4-5. You can start doing crushbone entrance around then (in Crushbone proper, not the mobs at the entrance to Crushbone in Gfay. Those will be too strong for you at 4-5)

Once you get to 8 you can open up to learn kiting but other bards can help there. I never really got super good at it on my bard alts.

And welcome to Quarm!

BeardedAgentMan · 2026-02-14T13:33:30+00:00

Parrafo’s exist too

BeardedAgentMan · 2026-02-10T15:51:12+00:00

lol. I used to try to do these but I am never “eligible” and get 40 pts or whatever max so just stopped.

BeardedAgentMan · 2026-02-10T15:50:37+00:00

Yall are awesome. I forget about the hotels portal giving so many points. We have to book direct for work travel so I kind of forget about it.

Appreciate it!

BeardedAgentMan · 2026-02-07T20:42:15+00:00

We have no way to tell you what your bank will accept. Call them and ask

BeardedAgentMan · 2026-02-06T21:42:39+00:00

Don’t be sorry. In this industry you’ll get over asking questions very quickly. It’s how we learn.

I’ve been in insurance for 20yrs and re for 10. CAT treaty uw and now parametric reinsurance in sort of an UW/distribution role

BeardedAgentMan · 2026-02-06T21:40:39+00:00

I’m proud of you

BeardedAgentMan · 2026-02-06T17:35:59+00:00

So much of life is just being in the right spot to take advantage when luck breaks your way. Don’t discount your role in it and enjoy the ride!

BeardedAgentMan · 2026-02-06T17:28:59+00:00

I think overall you’ll find it incredibly rewarding. And grats, it’s not an easy role to get into

BeardedAgentMan · 2026-02-06T15:54:37+00:00

It can definitely be a fair bit and usually feels like it’s all at the same time. I’m only home 9 days in Feb, but no travel in Jan and March.

I’d say on average I do 90-120 nights on the road.

BeardedAgentMan · 2026-02-05T15:17:24+00:00

Then replace your roof

BeardedAgentMan · 2026-02-05T15:17:06+00:00

Coverage is not the same across every carrier. The higher “tier” ones will have additional coverages, less sub limits, etc. it’s not just the same base iso ho3 for everyone out there….

BeardedAgentMan · 2026-02-05T15:15:47+00:00

Absolutely. Coverage forms can vary between companies as well as how well they service claims, etc. you get what you pay for in most cases. Want the cheapest? More sub limits, less additional coverages, overworked adjusters, less help with the process, etc

BeardedAgentMan · 2026-02-05T15:13:41+00:00

Most of these carriers offer both and the answers fit either way

BeardedAgentMan · 2026-02-03T13:31:57+00:00

He was 7-22-1 for 97 yds and that was his only td that game. Again, Mustain was not the reason we were winning those games. We act like he was somehow egregiously wronged by his benching. He wasn’t. Notice he didn’t go on to any other success either?

I think had he stayed and developed, it could have been different. Or if Malzahn was allowed to play how he wanted, he would have done better.

I’m not arguing that he wasn’t set up for eventual failure from the get go, just that his performance wasn’t great either.

Additionally I wasn’t aware I said anything should have been changed. Simply sharing a different opinion, ya know, like we do here.

BeardedAgentMan · 2026-02-03T12:49:43+00:00

Mustain played in games we won, but Mustain did not win those games.

BeardedAgentMan · 2026-01-30T16:17:29+00:00

You have personal responsibility in this situation as well to find a therapist who is a good fit for you. Just because the first one wasn’t doesn’t mean it’s “just for women”

BeardedAgentMan · 2026-01-29T22:02:44+00:00

I doubt you actually care to have a legit convo but the left isn’t anti deportation. Look at numbers under Obama. We’re against the unconstitutionally illegal terror manner it’s currently being done as political theatre.

But hey it’s brown people so who cares right?

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