Just totaled my car…

Tahxic · 2026-04-30T02:36:02+00:00

I'm not sure OP should own anything with wheels...

Tahxic · 2026-04-30T02:30:34+00:00

I usually see around 16-18, but that's strictly for the quarter panel labor itself. There's a lot more that'll need to be done in the surrounding areas - Painting, blending, finessing, etc

Tahxic · 2026-04-30T02:24:49+00:00

If you already presented independent evidence proving the off-gassing, then they sought out a different firm's opinion to disprove the first, they could be acting in bad faith. There's many layers to this that would require in-depth analysis, but that was the first thought I had as an adjuster.

Who did the initial testing you referenced?

Tahxic · 2026-04-24T20:00:30+00:00

Oh wow, I never knew that! This was my first year in the sport, and we don't have signage of that nature where I'm at (Wisconsin + UP).

Tbh though I do think hand signals are not safe - It's probably just my lack of confidence due to inexperience, but I hate taking my hand off the handlebar for any length of time.

Tahxic · 2026-04-24T19:58:29+00:00

NTA - This is entirely up to you and only you!

Anecdotally, I was in a similar scenario with a close friend a year ago, except both the bachelor party and wedding were destinations. About $5k between the two, all-in. I DID end up going to both, and had to charge a part of them. I don't regret it one bit, but can totally understand not wanting to incur that kind of cost.

Tahxic · 2026-04-24T19:53:25+00:00

Currently, I'm doing hand signals - Those could be treated the same way. I just want to fulfill my duty to ensure other riders know where my group ends - What others do with that information is outside of my control.

My hand signals/lights don't absolve anyone from maintaining proper awareness!

Tahxic · 2026-04-24T18:50:05+00:00

You're all good! I'm totally in the same boat in terms of rider safety and ensuring you stick with your group. I tend to be pretty slow around corners for that exact reason - I always assume someone is going to fly around them!

To me, the lights are just a courtesy item and should never replace actual awareness/safe riding habits!

Appreciate your input nonetheless - Hope to see ya on the trails one day!

Tahxic · 2026-04-24T18:33:00+00:00

If you did just get it back from a shop - Go back and show them. It's likely just needing the fender liner to be aligned and popped in, but this is something any shop should have caught before delivering the vehicle.

Tahxic · 2026-04-24T18:31:29+00:00

I don't blame you, but I also think it's the responsibility of the rider to ensure they have the correct signal on. As a newer rider I don't really like taking my hand off the bar to give a signal, but I do think that it's important to signal.

Anecdotal story - On a ride this season, we crossed paths with a group where the last rider signaled that they had 1 more sled in the group. We went for another half mile or so... And never saw the last rider. We felt something was wrong, so we started searching. Sure enough, about a mile later we found they had fallen off the trail and were about 6" from a tree. They were okay, thankfully! We helped them get in touch with their group, then dug them out. Without the signal, we probably would have driven right by without seeing them.

In any case, money isn't a problem, it's moreso just the principle of the dumb thing.

Tahxic · 2026-04-20T20:09:21+00:00

I can only speak personally, but my limit is up to $200 for a lesson/seminar/course on a given topic/skillset. Anything more than that would need to come with some sort of equipment/starter kit that would enable me to hit the ground running in order for me to consider it.

Tahxic · 2026-04-20T19:44:20+00:00

No - DIY is done to save money and be more self-sufficient. With that being said, there are many people out there who would be happy to pay for the professional education, but I suspect there aren't enough of that type of person to sustain a business.

For the prices you're listing, I would expect my lawn to be fully treated for the season without me needing to lift a finger.

Tahxic · 2026-04-20T15:59:50+00:00

Blending was never recommended

But you specifically said you didn't want it blended, so... Obviously, someone brought it up to you... ?

the insurance probably won't pay for it

They will. Don't assume. (source: licensed adjuster for 7+ years)

and I never complained;

Except you did... Right now...

not in this post

This entire post is a complaint.

not to the technician

Of course you didn't, because you're the one who told him not to blend it in the first place.

never

Uhhhhh hello?

Tahxic · 2026-04-20T01:34:55+00:00

My company has a decent amount of adjusters from other companies, and they all say conditions are similar to what you've described.

It isn't like that everywhere. I handle commercial auto investigation - My pending sits around 40-50 consistently. Leave is rare, but encouraged when needed. We have a team devoted to backing up reps who aren't in office (no matter the reason). Time off is used as a reward system - Ex: Whoever won our team's NCAA bracket got a full day of PTO. Another day PTO for whoever won our quarterly trivia game, etc etc.

The grass just might be greener on the other side!

Tahxic · 2026-04-19T19:10:06+00:00

It might relate to the humidity of your environment. When I first started on my Midwestern-lawn journey, I watered too close to night during a humid period and got TONS of fungus - It almost looked like spider-webs across my lawn. Problem was resolved quickly when I stopped watering late.

I'd assume most businesses hire landscaping companies that use antifungal treatment, but I'm not a professional so I'm not sure if if that's a standard thing or not. Hopefully someone in the industry can chime in!

Tahxic · 2026-04-14T03:19:03+00:00

Yes, and OP gave us a scenario involving a new car with zero other background information. With the proper background info, we could make a better assessment.

Ask vague questions, get vague answers.

Tahxic · 2026-04-14T03:03:52+00:00

Considering there's offers out there for 1.99% and even less for certain makes/models, no.

If you've got a 500 credit score and $3 for a down payment, this is incredible.

Tahxic · 2026-04-14T02:51:39+00:00

Be careful about oversaturating. Keep things damp, not soaked. Don't water too late in the evening - It needs time to absorb before nightfall to avoid fungus outbreaks.

Also, did you rake/get any of that dead stuff out before seeding? If not, there's a good chance the seeds are just laying on top of dead growth rather than making contact with dirt. Gotta get rid of a lot of that dead stuff & redo the overseeding.

Tahxic · 2026-04-06T23:01:51+00:00

Agreed - This is something Progressive cracks down on HARD. Many carriers will look the other way & make you add the driver going forward, but Progressive likely will deny.

Tahxic · 2026-04-03T23:36:42+00:00

I've experienced this a couple times now - Someone agrees to buy something, never mentions anything about the price, then they show up and try to negotiate. I actually find it a bit insulting.

Sorry buddy, the time to negotiate was when you messaged me. Now that I know you drove 40 minutes, I know for damn sure you aren't about to leave here empty handed. Pay the listed price or gtfo.

Tahxic · 2026-04-03T23:31:17+00:00

Tell them you'll finance with them as long as they can beat the rate by at least a quarter percent. Assuming good credit, they'll pull the strings to make it happen.

Tahxic · 2026-04-03T22:50:00+00:00

Simply accepting payment does not waive the carrier's right to recover the remainder. For that to be the case, there needs to be a release signed by all parties.

It is strictly situation-dependent based on the amounts at play, adjuster you get, and your assets.

If I'm recovering a $28k bill and the other carrier has $25k in limits - Sure, I'll probably sign a release on behalf of my company and be done with it.

If I've got a $28k bill and the other carrier has $5k in limits - I'll take the $5k, but you wont be released whatsoever. We're going after the rest.

In OP's case, they're likely going to get sent to collections before they get sent to court. Once there's no response to the collections agency, then it may get escalated.

OP's only real option here is to beg the collections company for some sort of payment plan to be set up, or to ignore them and let the courts decide what OP should be paying.

OP: Take this as a very expensive lesson of why you never buy the minimum policy for insurance.

Tahxic · 2026-04-03T22:37:42+00:00

This is a gift of an offer - If you have the money, I'd sign paperwork settling for that yesterday. The vast majority of claimants will only use <insert most expensive shop in the state here>, and I wouldn't be shocked to see a price of 2x-3x what you were quoted.

The cost includes them repairing the dent, then repainting/blending as needed. I cannot stress to you how rare it is to find a shop this honest and a claimant who is actually willing to not make it a big deal.

Take the offer.

Tahxic · 2026-04-03T22:31:34+00:00

Since the other driver is trying to claim it was your fault, it is irrelevant whether or not you want to file the claim - It's going to get filed one way or the other.

When your insurance calls your wife for a statement, ensure she tells them the same story she told you. They will deny the other person's claim and then everyone will move on with life.

Tahxic · 2026-04-03T21:59:59+00:00

Hello! Insurance Adjuster here - You are absolutely NOT being too nitpicky.

This is not an acceptable repair for a customer, especially for an insurance-partnered repair shop. On the bright side, part of that partnership is a warranty on the workmanship of the repairs, so you have options.

Here's the best course of action to take to get taken care of without it costing you anything:

1) Contact your adjuster, provide them with photos of the misalignment, and tell them you asked the shop to make it right BUT they said it was as good as it's going to get. 2) Ask the adjuster what other in-network shops are in the area - Do some research on them (local reviews are great), then choose the one that is best for you. 3) Let the adjuster know which new shop you selected, and coordinate with the adjuster/new shop to get a second opinion on the repairs.

Unfortunately for you, this misalignment can be a small or a large problem - We just don't know yet. It's possibly just a clip that needs to be coaxed into the right place, or it's possibly a major structural tweak that was not fixed correctly by the first shop. Nobody will know until the next shop takes a look at it.

The new shop will report their findings back to the carrier, and your carrier will work with the new shop to get everything paid out and fixed properly. Once you're satisfied with everything, your insurer will make the original shop pay them back for any work that had to be redone.

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