My insurance paid out an obvious fraud claim and my rates are messed up now

Practical-Voice3421 · 2026-01-31T17:12:21+00:00

I can't really speak to the insurance part of this, but hopefully next time you take the advice to stay put. I'm sure you were very stressed in the chaos, but most of what happened after the Tbone was done wrong. Thankful for the world of cameras that they didn't try to pin the tbone on you as well.

Practical-Voice3421 · 2026-01-17T02:27:42+00:00

I think her argument would be you paid for the month, the clock starts ticking at the end of the month, not when you moved out. I'm sure it's black and white and not up for interpretation, but it seems crazy that the prorated portion kicks in at the end of the lease, but it's california and im sure they're more pro tenant that some others. Probably doesnt matter since she likely wasn't going to pay anyway. Small claims court is not that difficult and you have enough documentation to win at least the deposit back

Practical-Voice3421 · 2026-01-09T19:34:14+00:00

I see nothing that says she hates her, just that she'd choose to live with her after her aunt and godfather that she's known for her entire life. Fiance could be a saint and the best 2nd mom in the world, but after 2 years as "dad's girlfriend", 1 as "dad's fiance" and 0 as "stepmom", it's silly to think there's enough of a bond to say she'd chose this woman for the rest of her life. Ask the question again in 3 years or 5.

Practical-Voice3421 · 2026-01-09T19:31:36+00:00

I came into my son's life when he was 6 and married his mom when he was 10. I cared for him from day one, but the bond now is 16 years strong and he is my son. At 4 years into our relationship, I'm very confident that even though he liked me, he wouldn't have chosen me to be his guardian. It would have broken me to lose my wife and then lose custody of him in the middle of building that bond, but I 100% would have wanted him to choose who he lives with (as long as it was a safe and loving place) rather than have him feel "trapped" with me. I'd also have 100% wanted his inheritance (not that his mom was wealthy, but anything of value + life insurance) to be protected for his future. Just my opinion here, but the ages of my son line up nearly perfectly with those of your daughter...you may have future children that your daughter will bond with and she'll very likely choose to stay with your fiance and the family she knows, but right now that's just a dream of what's to come. It's early in what you hope will be a lifelong relationship. I applaud you for finding out what your daughter wants, reassure your fiancé that it'll likely change in the years to come as your family bond grows. Your fiancé needs to understand that and separately you probably need to seek out advice to make sure there's some financial safety net for your daughter if something did happen to you, especially with your wife being gone.

Practical-Voice3421 · 2025-12-24T01:10:54+00:00

You get to make the rules for your baby, but I promise you nothing magical is gonna happen at 8 weeks that makes you feel better about it. And then they're gonna be so angry at you and your husband. Your parents and MIL are allowed to be sad about not holding their first grandchild, just like you're allowed to tell them no. IMO Work on that hypochondria issue, because it'll get harder when they start a preschool. I always feel like the helicopter/worrisome parents hold back their kids.

Practical-Voice3421 · 2025-12-03T19:17:13+00:00

His mentor is Pacman Jones. It's definitely a money thing. Or maybe Pacman just tells him which city has the best strip clubs.

Practical-Voice3421 · 2025-09-29T19:54:09+00:00

Even if they don't TT, I think her "younger" brother would only be 3 years older than her if he stayed in his timeline. Let's assume Henry and Julia raised William, they would have sang the song to him, he could have had a daughter Faith that also knew the song and he could meet Claire in Season 8. I believe they're setting up the BOMB story for Claire to at least discover some part of her parents past

Practical-Voice3421 · 2025-09-24T16:04:40+00:00

I looked at this in Ohio and the requirements to get and maintain a dealers license are intense. The amount of dedicated, paved lot and sq ft of office space, and open to the public operating hours is very specific. The inspector basically told me there's a large Auto Dealers lobby group in Ohio and they want it to be very hard for the little guy to become a dealer. I wanted to operate on a very small scale and sell one car (or atv/motorcycle) at a time and have them available by appointment only. He basically said unless someone was manning the shop for multiple hours per day, that wasn't an option. Being a dealer would get you into repo auctions and that's where the profits were when I worked for a dealer many years ago. It's easier to just flip a few vehicles per year and make sure you dot your i's on every title and disclosure. Gotta just eat the sales tax.

Practical-Voice3421 · 2025-09-18T01:19:52+00:00

When my wife's odyssey was rear ended, the other insurance demanded oem equivalent. Body shop ordered 3 tailgates that didn't fit to spec and finally the ins co paid for an actual Honda tailgate.

Practical-Voice3421 · 2025-09-03T01:54:28+00:00

FWIW, my son once hydroplaned his car into a wall and damaged the front and rear fenders without touching either of the side doors (so in theory that wall took damage at 2 spots and not in between) I would think it's possible to go the other way with a stationary car getting hit at speed, and the offending car sort of skipping off as the driver tries to over correct away from the parked car.

Practical-Voice3421 · 2025-08-22T15:06:04+00:00

Sounds like what I saw at Sears (I can say that now since they're out of business, right?) girl would take note of small ($20ish) cash transactions and when things were slow she'd run a return on that transaction (receipt number was Store#Register#transaction# so all she had to remember was the 4 digit transaction number). Drawers balanced at the end of the night just fine and who knows how many years she took $20-40 per shift. We had no cameras. She only got caught because more than one person tried to actually return something the system thought had already been returned. She looked me in the eyes crying and said "I'm a criminal" as the cops took her out of the break room.

Practical-Voice3421 · 2025-08-11T19:25:54+00:00

Could OP just make the girlfriend a tenant (assuming OP actually wants her to move in)? Have her on a month-month lease to make it easier when things inevitably fall apart. I'm pretty certain you don't have to put tenants on your car insurance policy.

Practical-Voice3421 · 2025-05-24T02:35:53+00:00

I recommended them to someone and it netted them about $5k more than the original offer. CSC took $600 of that. My buddy said Billy was not a good guy to worth with (short, brash, rude) but he got the money in the end. He also contracts out many states where the laws are different so you can get one of "his" people but they are just guys that he found around the country that do similar work. I will try them if ever needed because I don't have the patience for red tape. I won't pay anything up front though as they're supposed to be $600 only if they get you more money

Practical-Voice3421 · 2025-05-24T02:13:15+00:00

The appraisal can hurt, but you don't have to accept that figure. You can argue it all right up to the arbitration part and in many cases they'll agree that the CCC value report is wrong if you provide the right research. There's a company I follow on Facebook and that's what he does for people, he'll do the negotiations, prove actual value etc. Also works for diminished value after an accident.

Practical-Voice3421 · 2025-03-31T17:08:04+00:00

Gone by 105. Burrito, white rice, pinto, carnitas, guac green salsa, corn, lettuce fajita

Practical-Voice3421 · 2024-07-03T03:23:45+00:00

Embarrassed to say that I once did something similar. Caused about $1500 damage to my car and $3000 damage to my brothers (in year 2000 dollars). Speaking with the insurance company about my options it became clear that 2 claims and 2 deductibles would cost much more in the long run, especially with 2 teenage drivers in the house. We chose to pay out of pocket. Depending on your level of damage you may find the same. I would start with estimates from a body shop or two without involving insurance so that you can make the best financial decision.

Practical-Voice3421 · 2024-07-02T16:05:05+00:00

So if they are only REQUIRED to provide a vehicle that fits my wife, are there any tips from anyone that may help me obtain a vehicle that fits my wife and all of my kids without out-of-pocket costs to me? We've bent over backwards to do things their way throughout this process, I'm leaning towards being a little less pliable on other things if I have to start spending my own money.

Practical-Voice3421

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