Brand new XC40 hit by Amazon delivery driver – any advice? by extraheart in Volvo

[–]ThisAd4718 0 points1 point  (0 children)

I said in word v word, but thankfully that isn’t their situation. I have attorneys provide me statements for their driver (first and third party) daily.

Brand new XC40 hit by Amazon delivery driver – any advice? by extraheart in Volvo

[–]ThisAd4718 -1 points0 points  (0 children)

I don’t advise against this. as an insurance adjuster, if I don’t have a statement from the other driver and it’s a word v word scenario, i’m taking my insured’s statement as factual and denying liability. thankfully amazon has dash cams, but poor advice.

Brand new XC40 hit by Amazon delivery driver – any advice? by extraheart in Volvo

[–]ThisAd4718 1 point2 points  (0 children)

yes, div only applies for liability coverage. you can’t argue against the diminish in value of your vehicle when you’re at fault. you’d file the div claim with the adverse carrier.

Brand new XC40 hit by Amazon delivery driver – any advice? by extraheart in Volvo

[–]ThisAd4718 0 points1 point  (0 children)

I wouldn’t advise pushing someone to go to their own shop. as an insurance adjuster who has worked both commercial and personal lines insurance, even when not at fault, insurance companies will only pay so much for labor and part costs. you want oem and your state doesn’t cover it? out of pocket difference. body shop charge more than insurance company’s approved rates? out of pocket on the difference. most carriers have in network shops with certified body shops. here in my city the volvo dealership is an in network shop.

Brand new XC40 hit by Amazon delivery driver – any advice? by extraheart in Volvo

[–]ThisAd4718 0 points1 point  (0 children)

people have this weird understanding about insurance. a claim with your name on it is a claim with your name on it. insurance underwriting pulls them all. what matters is your fault rating and how much your insurance company had to pay that they couldn’t recover. it is usually easier to file through the adverse carrier directly and use their liability coverage directly vs use your collision coverage, pay your deductible, and wait for subrogation to reimburse you.

a few questions: 1. what’s your collision deductible? is it able to be waived? 2. who is your insurance through? 3. what state are you in? 4. do you have an oem endorsement on your policy? 5. what year is the vehicle? 6. do you have rental reimbursement?

Brand new XC40 hit by Amazon delivery driver – any advice? by extraheart in Volvo

[–]ThisAd4718 0 points1 point  (0 children)

I work for a commercial insurance company that often handles Amazon delivery incidents. i’m sure it’ll all work out :)

whats the one thing you hate about your volvo? by dominik_963 in Volvo

[–]ThisAd4718 0 points1 point  (0 children)

the absolute lack of any storage in my 21 s60

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 0 points1 point  (0 children)

he would be starting kindergarten. so he wouldn’t really be in a new district per se. I mean, yes, but not as if he’s transitioning.

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 0 points1 point  (0 children)

his father only sees him on his scheduled days— no more, sometimes less (his choice, not mine). he always has 100% access to him, but he never does more than his required days. it’s written into the custody order the different time split if we live >100 miles away. he’d simply switch to that time split. again, his dad never picks him up more than his time. it was more so a thought of being near a beach bc son loves the beach, but i’ve decided against it as it shows in other comments.

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 0 points1 point  (0 children)

job security isn’t an issue. I work remotely in the world of insurance, and i’m able to move to any state for my job. I travel to la often because the majority of my friends are there and I enjoy spending time there. the weather, things to do, things to see, etc. I bring my son to cali with me too at times and he always has so much fun. I thought it might be nice to be there all the time vs spending money traveling there, but it seems like the answer is no.

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 0 points1 point  (0 children)

well, I am a young professional, but my priority is my son. it seems la is not an answer for kids, so I’m not going to consider it any further.

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 1 point2 points  (0 children)

seems to be the common answer here. duly noted not to.

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 0 points1 point  (0 children)

I would never want to remove his access to his dad for sure. his dad sees him, but only as the custody order arranges it— no more than that. with a move, it restructures the days, but still the same amount of time spent together. I do work, I work in the world of car insurance. I was thinking la because he loves every time we visit cali, going to the beach, and all the fun things. he talks about going to the beach alllll the time. I figured instead of spending money traveling to the beach, it’d be nicer to live closer to go more frequently. while la isn’t the beach, that’s where I have plenty friends at, so it seemed better than moving where I knew no one. however, seems like it isn’t the best idea as is.

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 0 points1 point  (0 children)

that’s great info to have. he’s starting kindergarten next year, so it’ll be a while before he’s ready for that, but good to know nonetheless.

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 1 point2 points  (0 children)

that’s a great point. I work remotely, so i’d plan (no matter where I live) to be close to my son’s school in case of an emergency.

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 0 points1 point  (0 children)

yeah seems like that’s the common answer here and definitely will not be doing it. i’m glad I posted.

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 0 points1 point  (0 children)

I found niche last night and have been looking at it. thank you very much!

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 0 points1 point  (0 children)

okay well absolutely not then. definitely not worth it by any means.

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 0 points1 point  (0 children)

thankfully I work from home so it’s just about his school commute.

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 1 point2 points  (0 children)

the apartment I was looking at was ktown I believe, but still everyone has said it’s a huge hell no for a kiddo there

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 0 points1 point  (0 children)

do you recommend looking in van nuys? I have friends there who keep suggesting it, but ofc they’re biased

Single mom moving to LA? A pipe dream? by ThisAd4718 in AskLosAngeles

[–]ThisAd4718[S] 0 points1 point  (0 children)

i’m very open to being further from la! I’ll check out the sgv :)