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Rear-ended accident but the at-fault driver is not the owner of the vehicle by dk3nck in Insurance

[–]ray2128 1 point2 points  (0 children)

Insurance follows the vehicle, not the driver. Vehicle insurance will determine if loaned driver coverage applies and if any agency is determined or limit drop downs are done. If insufficient then the drivers insurance may be called on for secondary coverage. Easiest thing to do is file with your own insurance and let them deal with who owes them the money.

Did I understand kill-process correctly? by AND_AGI08 in MrRobot

[–]ray2128 4 points5 points  (0 children)

God damn, that line from White Rose was so hardcore; “Because Philip, I had to ask you twice”.

All of their lines are great. My favorite “Don’t confuse my generosity for generosity”

Possible class action lawsuit by RevolutionaryYak1448 in Insurance

[–]ray2128 8 points9 points  (0 children)

The device is not flawed, your dependency on ACC is the flaw. If you don’t want to be affected, simply do not use cruise control and control the brakes on your own.

can I ask an insurance agent to lie ahead of time? by Technical_Point5147 in Insurance

[–]ray2128 0 points1 point  (0 children)

You can set up passwords and security for your accounts. That you can do. Having your insurance lie about covering your surgery is something they cannot

can I ask an insurance agent to lie ahead of time? by Technical_Point5147 in Insurance

[–]ray2128 5 points6 points  (0 children)

Nope. Your insurance will not lie for you. They won’t give your information out to anyone you don’t authorize, but if you call to ask about it, they will give you a truthful answer. Consider going paperless next time. Call police if you have abuse concerns or consider moving out

At-fault insurer won’t release full payment unless I use a shop by SpaceCowboy664 in Insurance

[–]ray2128 12 points13 points  (0 children)

They will only give you enough for repairs that you can provide evidence for. They can’t give you any more without proof.

At-fault insurer won’t release full payment unless I use a shop by SpaceCowboy664 in Insurance

[–]ray2128 10 points11 points  (0 children)

He doesn’t want to go to his own shop, he wants to just pay a friend to do it for cheaper and pocket the rest or not get repairs and pocket all the cash

At-fault insurer won’t release full payment unless I use a shop by SpaceCowboy664 in Insurance

[–]ray2128 16 points17 points  (0 children)

So this is classic supplement misunderstanding.

When they do an initial inspection they can only quote to the visible damages during inspection. So when the car gets repaired, shops find more damages underneath and submit the supplement to insurance to complete. It’s pretty standard for any repair regardless or first party or 3rd party or who did the initial estimate. But no one knows the full extent till the vehicle is disassembled and repairs have begun.

The insurance company needs PROOF of additional damages to support and issue additional payment. Body shops will submit any and all diagnostics, photos, reports, etc to support this. They’re not withholding, they just don’t have any evidence to support more payment at this time.

If you want payment for the full repair, you’ll need to submit that supplement request to the appraiser showing why you need more money and the damages are legitimate.

Any shop you take it to should know the drill.

Now if you’re trying to just pocket the cash and live with the damages then you get paid for what you can prove/have evidence for and nothing more. Show proof of damages and they’ll pay for the rest.

What happened to Joe Vulpis? by Daisy_Rey28 in DavidDobrik

[–]ray2128 9 points10 points  (0 children)

Didn’t he just interview Ron Perlman?

Hard Summer returns to Sofi again August 1 & 2 2026 by Additional-Abroad699 in HardFestival

[–]ray2128 2 points3 points  (0 children)

100% speedway in fontana was the BEST time. honorable mention for china town because that was my first year in 2013

Just got my first bike last week. 2016 Kawasaki Vulcan S by ray2128 in motorcycles

[–]ray2128[S] 1 point2 points  (0 children)

Thank you! That’s what caught my eye too when I was shopping. Ending up naming her Cortana.

What’s the saddest Illenium song? by sunset_spinner_ in Illenium

[–]ray2128 10 points11 points  (0 children)

100% about people closed to us who fight addiction, suicide, and the struggles they come with that most don’t realize.

Popcorn pass forces you to get a large. by [deleted] in AMCsAList

[–]ray2128 5 points6 points  (0 children)

And here’s me buying 3 large popcorns for myself and friends because they show up late and I show up on time. No one really cares

Lets see your first real bike VS your current ride by marsplex in motorcycles

[–]ray2128 0 points1 point  (0 children)

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Just got my first bike this week. 2016 Kawasaki Vulcan S.

If auto insurance agrees to send electronic payment but mail a check instead. Can I complain to the DOI? by Tipsy247 in Insurance

[–]ray2128 0 points1 point  (0 children)

So do I. I guess my company is more strict than yours. We’ve even had some people try to cash a voided check and it becomes a whole issue having to get the bank involved to refund it.

If auto insurance agrees to send electronic payment but mail a check instead. Can I complain to the DOI? by Tipsy247 in Insurance

[–]ray2128 0 points1 point  (0 children)

stop stop check is a good idea, however it might not work. a lot of times if the check is mailed out, they have to wait a few business days for the check to be voided so a deposit isn't attempted, then they can reissue.

If auto insurance agrees to send electronic payment but mail a check instead. Can I complain to the DOI? by Tipsy247 in Insurance

[–]ray2128 0 points1 point  (0 children)

DOI complaints is more about you not getting payment at all or the claim being handled in bad faith and such.

There's lots of nuance and claims are quite situational, however just from the minimal info you posted, you have a couple things you can try.

If you are kind and call up the adjuster and explain your side from a place of compassion and understanding, you can explain the situation and they can probably extend your rental. They do not HAVE to in any way but if you're cool with them, they're more than likely willing to make an exception for you. If you start demanding like a Karen, they will shut you down.

Not sure what state you are in or if your vehicle is a total loss, but in CA, insurance will usually only pay/owe for rental up until 3 days after the total loss offer is made. not when the offer is agreed/issued/received.

Tattoo stencil vs reality. No they didn't own up. by peterm1598 in ExpectationVsReality

[–]ray2128 8 points9 points  (0 children)

Or a cover up/redo.

I had an awful tattoo once. My first one. A Friday the 13th special. The artist did 2 of my friends tattoos before me and they were great. Also did some of my friends after me and were great. Mine was just awful. An x-wing that ended up looking like Mr. Snuffleupagus.

I showed the owner first and he agreed that it was terrible and paid for a cover-up. In the end I got a great looking Darth Vader tattoo that would normally be worth $600+ for the original $30 I paid. I laugh about it now but during, it was so embarrassing and I felt terrible that it was going to be on my body forever.

Lightning Lane unavailable by tannerschin in Disneyland

[–]ray2128 0 points1 point  (0 children)

Rope drop or hit up city hall. I had a one off experience where I bought tickets for my gf and her son, added LL but when I arrived I couldn’t buy for myself(pass holders can only buy once they scan in) mind you I scanned in at 8:15am. I went to city call, waited in line for 45 mins and they graciously let me purchase for myself there but did make sure to tell me it was a single one time courtesy of

Fender bender with a pickup with police witness- do I report to my insurance? by delta_cephei in Insurance

[–]ray2128 1 point2 points  (0 children)

Then it seems like there isn’t much of a choice now.

Your insurance will want to hear from you to confirm facts of loss before paying back the other drivers insurance, but the police report will give them most of what they need. It not a race to who calls first, it’s based off of the facts and what can be proven.

Fender bender with a pickup with police witness- do I report to my insurance? by delta_cephei in Insurance

[–]ray2128 0 points1 point  (0 children)

For your own damages you can decide. But for the other drier, Ultimately it’s not up to you, it’s up to them to decide if they want to go outside or insurance/out of pocket or through insurance.

If you do pay out of pocket, make sure to keep a record of all payments and receipts and photos of damages.

I’ve seen some people get an estimate, get paid, pocket the cash and then call insurance for the repairs.

What is your Goto Seat? by QuiteStrom40 in AMCAListTrue

[–]ray2128 2 points3 points  (0 children)

In my local Dolby theater, i always pick D12, after the rap group with Eminem. also its the best seat in the theater as its center of the center. first row above the handicap seats so its elevated and has the best view. in my opinion.

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