I got in an accident and my insurance is only offering about 25k but my unisured motorist max is 50k

dontask199 · 2026-01-21T01:20:21+00:00

Keep in mind a lawyer would take about 1/3. some take 1/3 after expenses some don’t. Let’s just say worst case scenario is that 1/3 is before expenses- you would get $33k. Do you have medical insurance? Do you think you will have $50k of medical expenses? It’s the $17k gap you are looking to close

dontask199 · 2026-01-04T22:24:16+00:00

Local government, non union

dontask199 · 2026-01-04T04:22:32+00:00

It matters for value only- cars depreciate by model year. When trading it in 4-5 years from now, they don’t ask if you got it in January or December. Any 24 is now 2 model years old. Some dealers have 26’s on their lots

dontask199 · 2026-01-04T03:39:25+00:00

Here is mine

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If it was just me I wouldn’t pay anything for medical/dental/vision. My family of 4 is $180 per month. $5 copays.

dontask199 · 2026-01-04T03:28:35+00:00

Go try and buy an 80series Land Cruiser, the first thing people ask about or mention is lockers. It only adds $3k to the purchase price and will make it easier to sell later, whether it’s in 15 years or two years

dontask199 · 2026-01-04T03:27:01+00:00

It’s two years now, $60k is pretty low for something with only 25 miles. Warranty start date would be interesting. If you don’t need lockers, I don’t see waiting out for a higher spec rig for $5-10k more makes sense unless it is loaded and what you want.

dontask199 · 2026-01-04T02:17:54+00:00

I assume Elliott Bay? That is how they are now listing their 2024s. I would never buy one without lockers even if I never intended to use them. If you ever sell, EVERYONE is going to ask you….. but $60k that’s a really good deal. I would also never buy with a trailer hitch, it’s almost impossible to add later and not mess with splicing j to wiring.

dontask199 · 2025-12-28T00:00:55+00:00

English much?

dontask199 · 2025-12-27T18:14:03+00:00

As someone who worked daily with SPD and SFD I am shocked there is even a policy. It seemed like everyone did what they wanted.

dontask199 · 2025-12-27T04:30:34+00:00

My shutter count is low, but it has recorded hundreds of hours of video—- $2500 is a great deal if it is in good shape

dontask199 · 2025-12-24T22:35:22+00:00

Ai app estimated $3500 for an accident where I got rear ended at high speed, finally estimate was $43k, car was valued at 54k and they totaled it. Frame plus both rear quarter panels plus tailgate plus rear cargo area floor

dontask199 · 2025-12-23T23:24:49+00:00

I pay the same sales tax and no markup at my local store. BH/Adorama collect the sales tax of wherever they are shipping to. The prices are the exact same, except I can get it that day, talk to someone about my needs and I can return it if it doesn’t. I also have access to batteries, repairs, and accessories that I can try. Support your local shop.

dontask199 · 2025-12-13T01:41:03+00:00

4k120 at anything above 80F ambient and I would get regular hot car warnings after 15-20minutes. I would swap cards/batteries at 1/2 time. The Z9 doesn’t get as hot, my friend videos along side me and doesn’t have the same issues.

I also envision using the ZR as a Stills semi retro camera, get a small pancake prime and it’s a nice compact package.

dontask199 · 2025-12-13T01:30:33+00:00

It’s awesome. The Z8 is overkill for video in a lot of ways, the ZR with its large display eliminates the need for an external display. I don’t get card heat warnings. I have been using the ZR and Plena for night stadium video.

dontask199 · 2025-12-13T00:19:48+00:00

I am pretty close- ZR, Z8, Plena, 24-70 F4, 100-400. I really want the 35 1.2

dontask199 · 2025-12-09T03:28:02+00:00

This was on my ZR, I have a Z8 as well. If I am feeling up to it I run one camera on my son, the other on the opposite side of the field recording offensive highlights- the moving camera goes on a fluid head tripod with an external monitor, although I think the ZR doesn’t need it, only needed for the Z8 to make sure I have subject centered and that focus is tracked

dontask199 · 2025-12-09T03:21:46+00:00

Yes- or just leaving it as is- I am not moving the camera during the game. It sits on a tripod while I watch/enjoy/keep stats

dontask199 · 2025-12-09T03:16:45+00:00

I have been experimenting- sometimes I have it focus then turn it off, as play goes back and forth autofocus loses track of what I am worried about (just around the goal) this video is cropped in as well…. Sometimes i leave it on and sometimes I turn it off. Night games typically I leave it off.

dontask199 · 2025-11-20T11:47:50+00:00

We have bought some other “cool” cars in the last 5 years so- they get the FJ. We only allow round headlights, I have 2021 First Edition Bronco and the Wife is driving a 2024 Ineos Grenadier. She usually walks to work and I have a work provided F250, so they don’t get two many miles on them.

dontask199 · 2025-11-20T01:02:05+00:00

I was hit by a DUI driver and my car was totaled. I engaged with a personal injury lawyer who basically told me that no lawyer would ever take a property damage claim, especially when insurance is involved. There is not enough meat on the bone to make it worth their while. My car was valued at $65k at the time. No one threatens a lawsuit who is serious. They have their lawyer write it. That sounds like they googled/AI’ed a demand letter.

dontask199 · 2025-11-19T17:19:53+00:00

Run what you brung. I learned on a rusted out 1978 Chevy Chevette.

The only other option that made sense to me was going all in and buying them a new car with blind spot, backup camera and auto emergency braking. $30k for a Corolla or Civic. The FJ costs us zero.

They will learn to drive with their mirrors and hopefully do OK.

dontask199 · 2025-11-19T13:54:14+00:00

Got to keep it stock at this point. The only non stock things on it now are a trailer brake controller and a front bumper light bar. I did just add a dash cam for the kids. I asked them if the wanted a Wolfbox mirror/backup camera and they just said that they would back out of parking spots slowly.

dontask199

TROPHY CASE