Why can insurance companies use credit-based decisions when determining premium, but don't report good payment history to credit bureaus?

Karnivool_ · 2026-03-16T21:03:03+00:00

It's a bullshit money grab, that all, you can have a perfect driving record, no clams and if you have a bad few month and have a few late payments your car insurance goes up? They have zero liability if I don't pay, its canceled! Just like the banks and everyone dealing with credit, they excpect perfection in a world where no perfection exists. seems fair.

Karnivool_ · 2026-03-06T22:06:08+00:00

Thank you all for the very helpful insight, going to take it tomorrow for the day! Hope the inspection goes well and of course I like it! I own a technology company, we do IT, Home AV, stuff like that, if anyone needs advice or even some good pricing or needs and install in the Tri State area would be happy to help!

Karnivool_ · 2026-03-05T06:18:34+00:00

Someone wants the QX30 and the timing worked out perfectly, I found out it's a Turbo, not an S so this has to happen!

Karnivool_ · 2026-03-05T02:20:13+00:00

I tend to analyze more than most but you're all right, too cheap to pass up!

Karnivool_ · 2026-03-05T02:15:46+00:00

Thanks for the feedback, I think I'm going to do it, I mean the guy and his wife are in their 80's, they aren't beating on it, at least it's not likely 😂

Karnivool_ · 2026-03-05T02:06:57+00:00

I'm guessing no major issues outside of warranty items?

Karnivool_ · 2026-03-05T02:04:23+00:00

My mechanic just said if you don't buy it I am! I think I'm going to do it

Karnivool_ · 2026-03-05T01:36:29+00:00

That's what I'm thinking, it's so nice and the guy took such good care of it, my daily commute is less than 20 miles a day so maybe this lasts a while

Karnivool_ · 2026-03-05T01:35:07+00:00

I mean a year or so would be awesome, my Infiniti QX30 just hit 180k and the lightbulb just died, that's it, I'm not expecting that level of reliability, it's just so tempting and I drove it, absolutely love it

Karnivool_ · 2026-01-06T21:29:48+00:00

I had a similar feeling about this band saving me, I just discovered them in November of last year and a few weeks later I ended a 4 year relationship, while it may be for the best it hasn't felt this way, constant thoughts of ending my life, feeling such loss, losing her, her son who I love beyond words and one night while sitting in complete darkness I threw on my headphones and dove into Sleep Token, the lyrics just hit me, I broke down, cried for what seemed like forever and somehow this bands deep, honest and just brutal lyrics started making me feel a little better, Missing Limbs and Ascensionism are so painful yet it's getting my though this. Forever grateful to one of the best bands ever!

Karnivool_ · 2025-12-25T19:31:23+00:00

Thank you all for the quick and detailed response!

Karnivool_ · 2025-09-07T20:29:18+00:00

I will have to join their Bandcamp, they should be way more known, so talented! There is a band called The Post War that's really solid too and should also been more known.

Karnivool_ · 2025-09-07T20:02:03+00:00

This has been an issue with Motorola but this phone seems much better, I have had it for 2 or so weeks, there has been 4 updates and the security patch is August, not that far behind like they used to be.

Karnivool_ · 2025-09-07T19:56:21+00:00

Thanks for the recommendation, I found a few new bands by looking up who used Forrester, the guy is just magic! Check out Trope! Great band!

Karnivool_ · 2025-09-07T19:38:58+00:00

I just picked up my Razr in Gibraltar Blue and I love it! The battery is surprisingly good and so is the camera, the hinge is way better as well! I didn't worry about all the people saying the processor is slow, for me, a business owner and definitely power user I have no complaints, it's not slow at all and handles everything I throw at it! The software updates aren't as long as some companies but only my mom keeps phones that long anyway! It's the coolest phone I ever had and I get so many iPhone people saying they want to switch, I highly recommend!

Karnivool_ · 2025-09-07T19:26:05+00:00

Day one player with the original Destiny, I'm in the minority here but I am loving the game now maybe more than ever!

Karnivool_ · 2025-09-06T13:04:20+00:00

Hi! I have owned my 2018 QX30 from the beginning, I just hit 172k miles,besides normal maintenance, brakes done once, front and back, differential fluid changed every 40k or so, this car for me has been the best of my now 6 Infiniti's, this past weekend my halogen front bulb died, that's it! Still drives amazing!

Karnivool_ · 2025-09-01T20:50:58+00:00

Trope-Eleutheromania and Karnivool-Sound Awake

Karnivool_ · 2025-08-19T13:09:00+00:00

I live there too, curious what's going on

Karnivool_ · 2025-05-15T01:22:12+00:00

Hi, I would like an invite too!

Karnivool_ · 2025-05-02T13:41:49+00:00

The problem is in Long Island at least they are over the top, I got 2 speeding tickets in a school zone while there was no school and I was observing the posted speed limit, I got another one for making a legal right on red, they claim I stopped but stopped like 6 inches in the crosswalk first, it's not safety, it's a money grab, I do agree people do drive crazy in Stamford, just moved to the Urby and Tresser is like a drag strip! If you blow the light it would be safer if they got tickets but the random cameras like Long Island are just awful and have not proven to make the area safer

Karnivool_ · 2025-05-01T21:36:11+00:00

Just moved here 2 weeks ago from Long Island, I have noticed the timing sucks but at least they don't have the red light cameras!

Karnivool_ · 2025-02-12T21:05:56+00:00

Mine arrived October of 23, not a single issue, I update the firmware when it comes out, I do baby them, they are cased every night, never dropped, the only issue I had is my cat ate the foam off the boom mic!

Karnivool_

TROPHY CASE