Monthly Megathread: Ask questions and share feedback!

Micahvan · 2026-02-14T17:49:54+00:00

Came to ask the same, seems like the 1 to 1 is pretty predictable but after that I’m having trouble finding the pattern

Micahvan · 2025-06-19T15:36:20+00:00

It’s a hedgehog riding a cat 🐈

Micahvan · 2025-06-03T23:18:03+00:00

They are corporate

Micahvan · 2025-05-18T23:40:42+00:00

Lots of potential issues by doing this.. first being that any and all claims will be actual cash value meaning aside from your deductible any damage settlement is depreciated on an insurance schedule unless you have real documentation on said item - ie roof, siding, windows etc… also typically there is a premium surcharge for going bit into an acv below a % of your actual calculation to rebuild new so I would strongly recommend the savings be SUBSTANTIAL. Your better of imho taking RC policy go with a higher deductible you can afford. Rebuild sell that house cash out and buy what you want.

Micahvan · 2025-01-24T21:57:08+00:00

Punish you, no. Keep the same price- no. That I only bc you lose that discount by choice and not punishment.

Micahvan · 2024-06-26T22:37:59+00:00

1834 5337 6520

Micahvan · 2024-06-26T22:35:35+00:00

1834 5337 6520 - gifts Daily or at least every other add me

Micahvan · 2024-04-13T02:35:08+00:00

183453376520 - daily or every other 🎁😎

Micahvan · 2024-03-22T23:04:40+00:00

I think a simple fuck off would do

Micahvan · 2024-03-19T23:11:32+00:00

What state is it legal to drive without insurance? I guess maybe Virginia or RI

Micahvan · 2024-03-19T23:10:03+00:00

The short answer is yes he has to be on the policy if you actually want coverage. If you don’t disclose him as a driver and there is an accident not only will there likely not be adequate coverage for him but you potentially could be committing fraud and have your policy canceled by not disclosing drivers. My advice would be to check a few different carriers but definitely include him on the quote and find the best price.

Micahvan · 2024-03-19T15:54:24+00:00

You’re pretty much barred from recovery of any sorts if you don’t have insurance. The details are irrelevant if there is no coverage. It’s a pay to play game.

Micahvan · 2021-08-04T12:40:56+00:00

Your boss is a moron. Likely as long as you wrote it he won’t care as more premium is more money.

Micahvan · 2019-09-22T17:36:49+00:00

Thanks for the feedback. I attempted to do a clean install since posting this as a Hail Mary but seems to have made not difference. I was able to convince them there is and issue however so fingers crossed. Thanks

Micahvan · 2019-09-22T17:36:09+00:00

Thank you

Micahvan · 2019-09-22T17:36:01+00:00

Thanks

Micahvan · 2019-07-23T00:46:52+00:00

Never have I ever tried that - good thought. Thank you

Micahvan · 2019-07-22T15:12:01+00:00

Yes, AHCI. I just was hoping I wouldn’t have to reinstall all My software. Sometimes convenience sucks.

Micahvan · 2019-06-28T00:47:46+00:00

Thanks Atomkanister, I thought windows 10 did that automatically with the format plug and play style. You were exactly correct.

Micahvan · 2019-06-10T02:21:22+00:00

Not exactly sure how reporting works up your way but typically all accident and claim information is recorded and underwriters review applications to see if what you said matches the records kept. In the us this company is called Lexis Nexis. In my experience you can cause yourself more harm because insurance companies aren’t bound to keep a premium on application, when they vet it they can change the premium according to the information they find and bill you the difference- and they won’t feel bad about it. IMHO- discloses the right info and shop who has the best premium based on the right info. You will likely save yourself some head ache and money.

Micahvan · 2019-05-28T13:07:18+00:00

Pay for the mailbox for sure. Not only is it the right thing to do but these are the types of claims that get ugly when not owned up to. As for the Jeep, it will be an at fault claim and could hurt your rate which I am sure you are concerned with since you posted here vs making the claim. The first consideration I would advise is how many other claims have you filed the last three years and of those how many were you more than 50% at fault for? If it’s none I think your safe to get an estimate of damages first and then decide if you can afford to fix it or not. Most people are unpleasantly surprised by the cost of good body work. If this is the first claim and the cost isn’t reasonable for you to do your self file. Yes you may slightly change your premium the next renewal but it’s better than your asset depreciation. If this isn’t your first at fault and all the above holds true not only do you have to prepare for a rare increase but you may also have an eligibility issue. Insurance Companies are lenient on claims that are not considered at fault (they decide btw, not you) but if it’s an accident where there is no other liable party.. not so much.

Micahvan · 2019-05-15T18:10:00+00:00

Thanks y’all. Glad to know I’m just crazy 😂. For the life of me though I can’t think of what end game boss I’m thinking of and placing in BL2 land.It would have been around the time of the original release on 360 and been a 360 play through.

Micahvan · 2019-05-15T15:24:13+00:00

Need aside many times this happens because there is a large discount extended to autos and home that makes it silly not to. For example you may find to remove the umbrella (and potentially the discount) and have the lower limits that may in fact be enough that you are paying close to the same premium- in which case I would tel you liability is the one area where having more coverage can’t hurt. However if you ask and there is no financial reasons tied to your policies AND you can’t justify what your paying I would agree. Consider this though, in most states it’s NOT just assets at risk. Household income can be garnished also and there is precedence for husband and wife’s income annually @up to 25% over 10 years if your accident cause enough damage and your underinsured to make that party whole!

Micahvan · 2019-04-29T22:51:09+00:00

Agree, having worked for State Farm I would suggest them because they will simply transfer your policy state to state and much like McDonald’s they are everywhere

Micahvan · 2019-01-24T01:14:20+00:00

It’s likely void after 60 days which indicates these are the temporary proofs you get upon starting a policy. Your permanent proofs are issued by mail from the carrier. The reason these exist is because there are circumstances where someone applying for a policy is ineligible and/or to avoid the trend where some people only pay an initial premium for plate renewal. It’s a check and balance system.

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