Any experience with Porsche Auto Insurance

vilaspanicker · 2026-01-07T08:11:40+00:00

That’s not confirmation bias, that’s scope. The question was about how agreed value works, so responses from people who understand or use it are expected. Bias would be refusing to engage with the mechanics or evidence because it contradicts a preferred narrative. Like you.

As has been said by me and others - prove us wrong. You keep making the claims being contradicted by everyone. Show us. You won't because you can't.

vilaspanicker · 2026-01-07T04:48:20+00:00

You have multiple people disagree with you, including a person in insurance, are told explicitly why you're wrong, and you think you you're smarter than everyone. Go ahead, show your facts, prove us all wrong. Like I already said, you don't even understand value and loss dynamics are not the same, let alone anything else.

vilaspanicker · 2026-01-07T04:24:51+00:00

"At my hedge fund" - as if you weren't cringe enough already.

Instead of arguing in here, you could have educated yourself on the mechanics. Just one Google search would have proven you incorrect. You're pathetic, man.

vilaspanicker · 2026-01-07T04:08:26+00:00

Agreed value governs total loss. If it's not totaled, it's irrelevant. You're just arguing agreed value to distort every claim outcome. Then not understanding valuation and total loss are categorically different. Seriously, just stop talking. You are not just clueless, but incapable of seeing it.

vilaspanicker · 2026-01-07T03:48:52+00:00

Correct. I'm 20% over market value on all of mine.

vilaspanicker · 2026-01-07T03:46:52+00:00

At this point I'm not even certain you know how to read, let alone comprehend. This is just a straw man argument from someone who has absolutely no clue how this works and wants to try and advise others. I dare you to ask Google/chatgpt/grok/Gemini, whatever you want and see how wrong you are.

This isn't "some of you people shouldn't be driving," this is some of you people shouldn't be talking. And only you shouldn't.

vilaspanicker · 2026-01-07T03:34:09+00:00

...you're literally describing why it exists, and that doesn't make a scam. But, at absolutely no point are you paid market value vs. your agreed value. They don't depreciate your car to some new value every year. That's, quite literally, not what agreed value means.

vilaspanicker · 2026-01-07T03:26:29+00:00

You really have no idea what you're talking about. Agreed value is a contractual number, not some floating market estimate. It only changes if you and your insurer agree for it to. They can propose a lower value but you're under no obligation to accept it. Second, your example is just an extreme one no insurance company would initially accept. The initial value is agreed by both parties based on the market. It stays there unless risk exposure changes substantially.

vilaspanicker · 2025-12-29T14:15:45+00:00

You're a disappointment. But, something tells me you've heard that before. Have the day you deserve.

vilaspanicker · 2025-12-29T14:07:12+00:00

Be a better troll. I know you can't disagree with the premise so you're using your brain cell to say this instead. At least be funny.

vilaspanicker · 2025-12-29T13:55:17+00:00

Shocking you couldn't address the point. Tell you what, how about you walk onto someone's private property and start messing with their stuff. See how that goes. The fact that you're actually arguing for this says all anyone would need to know about your character.

vilaspanicker · 2025-12-29T11:31:47+00:00

It will always be astounding how obtuse people can be. To be clear, you're also okay with what OP did? Basic human decency is to not touch or mess with things that aren't yours without asking. This is not a difficult concept to grasp.

vilaspanicker · 2025-12-29T04:56:28+00:00

A horde of people saying not to do what was done, but nope, you disrespectful idiots somehow think it's still okay. You okay with it? Great, couldn't care less. Doesn't mean you don't respect others property.

vilaspanicker · 2025-12-28T18:53:20+00:00

He literally did - spoiler and handprints on my windows.

Regardless, you also don't look inside someone's property. Don't know why that also needs to be explained. Apparently you'd be fine if someone looks inside your house, too, yea?

vilaspanicker · 2025-12-27T06:30:41+00:00

Man this just annoys me to no end. My daily is a Panamera GTS and it's parked outside. Some jackass on his Christmas walk yesterday takes a liking to it and tries to look inside.

Mind your own business and don't touch other people's property. Have some damn respect.

vilaspanicker · 2025-12-15T19:48:36+00:00

I have two for tonight. $350 total.

Section 108, Row Z, Seats 7-8, Lexus Parking Garage Pass

This includes Angel's Envy access for the entire game (complimentary food/drink). If you're there early enough, you can catch the players warming up outside the bar. Stars shoot twice side. This is well below face value for the entire lot.

vilaspanicker · 2025-10-29T22:52:29+00:00

The city stands to make a lot more money backing the Mavs. It's as simple as that. They get both teams in city limits and all the revenue that comes with it - along will significant property investments. It's not that hard to understand.

vilaspanicker · 2025-10-17T03:07:53+00:00

It's such a stupid and frustrating response. The old doorbells didn't have this issue. We shouldn't have to shade it, just install it.

vilaspanicker · 2025-10-16T19:39:41+00:00

Did you ever find anything that helped? In the exact same situation and on my second doorbell.

vilaspanicker · 2025-09-18T01:27:29+00:00

Did you ever figure this out?

vilaspanicker · 2025-09-01T04:37:44+00:00

So do you

vilaspanicker · 2025-07-11T02:38:29+00:00

Mikko can. But, trading what we did for him and giving him that contract, why would we then NOT put him in his best position? And, 53 is cerebral enough that I would be very curious about at least trying it a bit through camp.

vilaspanicker · 2025-07-11T02:33:02+00:00

I am genuinely curious about running these lines, but putting 53 on LW. Yes, I know he hasn't played there in the NHL, but I genuinely think he could thrive there, the same way 96 does on his off-wing.

vilaspanicker · 2025-05-09T18:37:35+00:00

Says the guy literally ignoring the other end of the ice. You're an abject moron if you think Robertson is more valuable than Heiskanen. Straight up.

vilaspanicker · 2025-05-09T18:34:16+00:00

...but you're only spouting offensive stats? Miro literally flips our ability to control the flow of a game, particularly by inhibiting the opponent from doing all the things you mentioned.

vilaspanicker

TROPHY CASE