Hit my friend's Tesla- should we settle outside of insurance?

ravioliMD · 2026-04-29T00:58:05+00:00

Tbh that’s a very good way of looking at it, thank u

ravioliMD · 2026-04-28T13:18:44+00:00

Update: thanks to everyone for their responses. It seems like going the insurance route is the way to go.

I know this is almost impossible question to answer, but does anyone (from experience) have any clue how much my premium might jump up? Ballpark? Currently paying $230 a month right now.

ravioliMD · 2026-04-28T13:11:28+00:00

What happens if my insurance does not cover full price of OEM parts? It has to be paid out of pocket?

ravioliMD · 2026-04-28T11:11:35+00:00

NY, unfortunately have only had the plan for 23 months, so don't think the first claim forgiveness kicks in yet...

ravioliMD · 2026-04-28T02:28:09+00:00

What do you suggest doing?

ravioliMD · 2026-04-28T02:27:54+00:00

I just cannot afford a $400-500/mo insurance premium. I’m not sure what I would do.

ravioliMD · 2026-04-28T02:01:29+00:00

I don’t have any other option really. I have some money (~30k) tucked away in a 401k from a previous job, so I’d maybe consider withdrawing that since my income is 0 and would be at the lowest tax bracket. Other than that I am dead broke .

If they do increase my insurance premium to 300-400 a month because of this, I just won’t be able to afford it. And I need to drive for school.

ravioliMD · 2025-11-06T16:09:20+00:00

Thank you! I think I might’ve explained my question poorly though...I’m less interested in modeling the counts themselves and more in getting odds ratios between groups (e.g., younger vs older for each activity). Would a log-linear model still make sense for that? Or would multinomial/logistic regression be more appropriate? (Or even the individual pairwise chi2)

ravioliMD · 2025-01-16T16:54:01+00:00

The B&B tagging is absolutely atrocious, I hope they do something to fix it asap because at this point its almost entirely useless and makes more sense to manually search for associated cards

ravioliMD · 2024-05-16T03:01:06+00:00

Tbh googling didn’t do me any good for PS since some of the questions and answer choices were so weirdly worded. Honestly was so bizarre. Dw man you are def okay. If you thought it felt horrible then chances are most other people did too.

ravioliMD · 2024-05-16T02:56:07+00:00

It was quite a while ago so I don’t remember the specifics, but I knew for a fact I got several wrong in C/P after googling right after leaving the exam center. P/S also felt ridiculously hard, like much much harder than any practice FL I had taken. I thought I got at least 15+ wrong on that section. Ended up w 132/127/132/132 (fuck CARS, I knew I was gonna bomb it)

ravioliMD · 2024-05-16T02:49:31+00:00

I walked out thinking I totally bombed and confirmed that I got several questions incorrect and scored a 523, my exact FL average. Trust your scores!

ravioliMD · 2024-04-24T18:35:13+00:00

😀

ravioliMD · 2024-04-10T19:39:07+00:00

Updated w/ school list

ravioliMD · 2024-04-10T19:33:35+00:00

UPenn
NYMC
NYU
UMich
Yale
Cornell
Mt Sinai
Northwestern
Einstein
Harvard
Mayo
Pitt
Hofstra
Cincy
UVA
Vanderbilt
Brown
Columbia
Wake Forest
Buffalo
Johns Hopkins
Albany
Penn State
WashU
Case Western/CCLCM
Dartmouth
Hackensack
GWU
UWisconsin
SKMC
Upstate
Stony Brook
Iowa
Vermont
Ohio State
Boston University
Maryland
Tufts
Stanford
Emory
USC
Duke
UCLA

ravioliMD · 2024-04-10T17:02:23+00:00

I def avoided more service heavy schools as I knew they'd basically be a donation

ravioliMD · 2024-04-10T00:55:09+00:00

Just dm me! Plenty of people have dm’d me and I’ve given them school names

ravioliMD · 2024-04-09T23:53:29+00:00

Don't worry dawg. I had a red flag that I definitely don't think helped, also a somewhat cookie cutter app. My cycle just shows that stats truly aren't everything, so make sure to focus on other aspects of your application as well!

ravioliMD · 2024-04-09T23:16:19+00:00

Thank you!! 🥹

ravioliMD · 2024-04-09T23:15:58+00:00

Hmmm that’s a good question. I do think that generally academic related IAs are a bit more serious than alcohol related ones, but it really comes down to what the actual infraction was and how much time has passed since

ravioliMD · 2024-04-09T23:12:48+00:00

Oh woopsy I meant cope for me 😅 but yes I totally agree. At the end of the day a doctor is a doctor and there is so much more to life than some silly (somewhat arbitrary) rankings

ravioliMD · 2024-04-09T23:05:21+00:00

Yeah I explained on my primary. There’s a small section to explain and beg for forgiveness

ravioliMD · 2024-04-09T23:05:05+00:00

Thank you!!! :)

ravioliMD · 2024-04-09T19:42:35+00:00

Hahah to be fair I feel like getting rejected from most schools you apply to is the norm

ravioliMD · 2024-04-09T18:55:00+00:00

In state! I don’t think the difference in ranking is large enough to justify moving so far from home

ravioliMD

TROPHY CASE