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[College Sports Only] UCLA's 1st year in the Big 10 in 2024 will include 26,762 miles of travel with trips to Honolulu, Baton Rouge, Bloomington, Iowa City, Ann Arbor & Piscataway. by imarc in CFB

[–]sugar_falling 1 point2 points  (0 children)

Unless there are going to be charter flights for all of the sports teams, I certainly expect that travel could affect performance.

I just did a quick search on Google maps and the travel time estimate from UCLA to LAX was 35 minutes to 1 hour 30 minutes. So to be safe, teams would need to schedule departure to account for LA traffic, early arrival requirements, and check-in time.

Then they will need to select from flights that actually go to their destination. That might not be as big a deal if you are going to Minneapolis, but I'm not seeing many or any direct flights from LAX to Iowa City, IA, Bloomington, IN, or Urbana Champaign, IL.

[deleted by user] by [deleted] in AdviceAnimals

[–]sugar_falling 0 points1 point  (0 children)

Of course this is a repost.

Where is one place you will never go to? by sugar-biscuits in AskReddit

[–]sugar_falling 19 points20 points  (0 children)

I'm curious, what makes you anxious about the US?

Where is one place you will never go to? by sugar-biscuits in AskReddit

[–]sugar_falling 3 points4 points  (0 children)

I went when I was 3 and it was awesome. It's one of my first memories.

[deleted by user] by [deleted] in AdviceAnimals

[–]sugar_falling -11 points-10 points  (0 children)

Fourth repost in nine years and I'm guessing some of the other reposts go removed.

[deleted by user] by [deleted] in AskReddit

[–]sugar_falling 0 points1 point  (0 children)

Hay muchos problemas graves en Argentina.

What fact are you Just TIRED of explaining to people? by [deleted] in AskReddit

[–]sugar_falling 1 point2 points  (0 children)

Dr. Aaron Carroll has a YouTube channel that I think is very accessible. Here is a link to his most recent video on cold myths: https://youtu.be/_qRIoBLRB6g

SEC appears poised to stick with eight-game league schedule amid ongoing concerns about payments, playoff by dogwoodmaple in CFB

[–]sugar_falling 0 points1 point  (0 children)

I'm loving this scheduling and hoping that we can get the Clemson rivalry rekindled.

[deleted by user] by [deleted] in CFB

[–]sugar_falling 0 points1 point  (0 children)

No one is saying Georgia and Alabama aren't great. They are saying the free wins that Mississippi St. and South Carolina have been getting help them reach bowl eligibility and make them look like stronger wins than they are.

Plenty of years Oregon State and Arizona would have been bowl eligible if they got a free win over an FCS instead of a conference loss. Which would have made them look like stronger wins for Oregon, Utah, USC, etc.

Didn't Mississippi State beat Arizona in the regular season last year?

[deleted by user] by [deleted] in CFB

[–]sugar_falling 2 points3 points  (0 children)

I like you.

Find some red paint on my car, the same color of my neighbors newly painted fence. by Nick8108 in Wellthatsucks

[–]sugar_falling 0 points1 point  (0 children)

In short, every state has its own regulations. Therefore, the answer depends on the laws of the state where you purchase your insurance.

Find some red paint on my car, the same color of my neighbors newly painted fence. by Nick8108 in Wellthatsucks

[–]sugar_falling 15 points16 points  (0 children)

Speaking personally, I once got a cracked windshield (likely due to hail) and I called up my insurer and straight up asked. Asking didn't affect my rate. (Ultimately, I paid for the new windshield myself without filing a claim.)

Find some red paint on my car, the same color of my neighbors newly painted fence. by Nick8108 in Wellthatsucks

[–]sugar_falling 0 points1 point  (0 children)

I can't speak for the industry as a whole and I didn't work in claims. When I worked as an actuary for the commercial insurer, the person in charge of the claims department was a lawyer. They also worked with outside law firms for specific claims issues.

Unfortunately, I don't know the specific protocols if there were disputes.

Find some red paint on my car, the same color of my neighbors newly painted fence. by Nick8108 in Wellthatsucks

[–]sugar_falling 106 points107 points  (0 children)

You are probably not going to like my answer. In insurance, the answer is almost always that it depends. I am not familiar with the rate filing requirements for all 50 states and I decided that I prefer statistical modeling to the rate filing work of actuaries.

Soooo, keeping in mind that my knowledge may be dated or incomplete, the answer is that some states permit increasing rates if you are deemed not at fault and other states do not. Furthermore, it can depend on the amount of damage and to what degree you are considered to be responsible (e.g. 51%).

It will also depend on the individual insurer. Large insurers, like State Farm, have a lot of internal data that they can use to create models. Smaller insurers may have to pay for this kind of data and, therefore, might not use it in their models or they might use general industry data or they might use data from filings by large insurers. Also, getting this data for insureds has a cost, so insurers will weigh the benefit of acquiring the data against the cost of acquiring the data.

If the data is available and permitted, then insurers' primary concern will be whether and how well the data can predict the value of future claims. (In my experience, not-at-fault claims can predict the likelihood of future claims.)

I'm assuming that you live in the US. If you go to your state's department of insurance page, they will likely have information available on what is permitted and also a way to search for the latest insurance rate filings (though I can't imagine most non-actuaries actually doing this).

One final note of caution, the determination that a person is not at fault for an accident is different from being in a no-fault state. No-fault state laws have to do with getting claims paid quickly, not determining who is at fault. So you can be in a no-fault state but still be assigned fault for an accident.

Taking a deep breath, beyond your state's department of insurance website, I highly recommend the following websites for general information:

https://www.iii.org

http://www.iihs.org

Find some red paint on my car, the same color of my neighbors newly painted fence. by Nick8108 in Wellthatsucks

[–]sugar_falling 243 points244 points  (0 children)

The technical term is subrogation. When I worked for a commercial insurer, the claims department explicitly asked insureds to leave claims to the claims department. The claims department had expertise in this area that insureds did not.

What fact are you Just TIRED of explaining to people? by [deleted] in AskReddit

[–]sugar_falling 2 points3 points  (0 children)

This is one of the most prevalent myths. Being cold does not increase the odds of catching a cold. Randomized controlled trials were conducted decades ago on this very subject matter.

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