JIBBBY

Punch

No school

Ms pacman

I can see I am getting a lot of negative feed back based on my previous posts and comments in regards to my thoughts and suggestions on insurance ... Ignorance is bliss, keep paying those high insurance premiums, keep supporting and building those huge insurance companies, and keep sleeping secure and safe at night knowing your fully covered all the way accross the board.. That's fine and dandy for most but don't knock me for going outside the BIG COMPANY money pits.... It's worked for me and I sleep just fine at night.. I am going to try to answer the skeptics.. Remember I am only trying to help you people and offer the big picture and nothing more... Insure or don't insure it's your choice.. 1) An insurance bond is much cheaper then yearly insurance premiums.. If I hit or kill someone by mistake in my car, my personal liability insurance will cover up to $30,000... Most "normal" auto insurance companies offer the same coverage $30,000... So in the event of a catastropic event such as that you must remember you can always be held responsible over and above your insurance coverages and have your assets stripped from you in a court of law regardless.. That's my logic and it's undisputed... This is good for people that just want to insure their used vehicles with liability coverage only...Obviously this won't work when seeking out full coverage which would be required on a new and or leased vehicle... 2) No, I do not have a wife or kids yet. If I did have a family I would consider life insurance to compensate my wife and kids in the event of my untimely death to insure their continued financial security...That's about the only smart insurance I can think of.. That's called being responsible for your loved ones.. Single and swinging though I don't see the need for life insurance.. 3) Someone asked why not insure your home incase someone trips or gets injured on your property. Well, I say it's a private home with no apparent hazards on it..I will hire an attorney and fight the more then likely frivilous injury claim... My propery is well kept, no trip or fall hazards anywhere on the property.. This is my personal home, who is going to trip fall and sue me, my mom and or gardener, the mail man maybe, come on? I think I will take my chances on that long shot... Again, even if insured with a good homeowners policy and someone trips and falls and sue's...They can always sue you over and above the full coverage of the homeowners policy anyway.. This stuff works for me as it may not work for others... So don't be harsh people as I am just sharing my thoughts and opinions and nothing more... I am not telling you not to insure I am just trying to make people aware of what I do and why I do it...

Vino

I know alot about insurance and claims... My friend owns a body shop and I probably know more about claims on cars then you.... If the numbers make sense in the long run then file the claim...It's that simple... That is all I am saying so relax tough guy....

Conspiracy :o

LexirX330 this may come as suprise to you but - I have been self insured by posting a bond for the last 15 years..... I've only been involved in one accident in the last 15 years, I talked with the guy I hit and paid for all the repairs which totalled $2000... I think I have saved thousands and thousands dollars over the years on insurance premuims and I am legal.... I am covered for $30,000 worth of liability, my car is a 92 modified Lexus Sc400 so no need to fully insure... I can rebuilt it if wrecked or buy another cheap one and change over all the mods... Same with my used SUV... I don't pay for homeowners insurance either.. I am forunate to own my home out right and if some thing happens like a fire or earthquake I am liscensed contractor and will rebuild myself... If you own your own home free and clear you are not required or obligated to have homeowners insurance on residential properties... Life insurance - I am in perfect health at age 39 and don't want to give someone a reason to kill me for life insurance money... :P I just don't believe in insurance in general... Insurance companies are in business to make money from people like you guys paying these hefty premiums... So I am anti insurance... I am one of few that act and think alone these lines, but I can honestly say it's worked out well for my so far over the years.....

Darwin

One hand on the wheel is very doable unless you are a senior citizen...Just imagine you are driving a stick shift it's that simple;)

One hand on the wheel is very doable unless you are a senior citizen...Just imagine you are driving a stick shift it's that simple;)

Joint :P

Hogwash I say!!! You pay for the insurance use it...That is why you have it, no? I would go as far as to say definetely call your insurance agent and see in advance how much your premium would go up with this claim...I think a little research is in order here first before doing anything... I am sure you all will agree with me on that...Get the facts first...

Fat, old and ugly (also ghetto - Mariah Carey)

It doesn't sound like a problem worth fixing... Just don't push forward.... That does sound like a relay or short problem somewhere...

They are like $10 0r $15 each at the dealer if I remember correctly... You know you can use another bulb on the back of cluster... Like maybe your brake bulb or some other not so important bulb that probably doesn't work anyway on an older car like yours.....Just swap another bulb as they are all the same bulbs... I think there is two or three bulbs that would just never come on if I remember correctly..Like window washer fluid light.. Something stupid like that...... Just a thought if you want a freebee and pass smog...

Well if you paid for the insurance then why not use it?...If that type of repair falls under the coverage policy then I would do it...You stand to get $600 toward your repair costs, and that is after paying your $900 deductible... My guess is that $600 will pay for the years insurance premium costs... It's a no brainer file away...... Even if your premium goes up a little which it probably won't with just one claim, it won't be by very much...The $600 should cover it for a long while there after...

Glitter

Jack be lazy Jack be quick Jack got stuck and pinned under the ...

What's that never heard of it....

Lazy, lazy, lazy....Jack only, work fast and get out in a hurry....Forget about the ramps, stands, lifts, etc.. A waste of time and money and is overrated.... (just kidding)

Us and them

That sounds nice.....

Dark side of the moon

Yeah if you really want a perfect like new job, you need to go all the way with those headlamps... 450 degre in the oven for 15 minutes, then make sure you get good silicon gasket sealer to re-seal those lenses properly on the headlamps.. The hardest part of the job is removing and reinstalling the headlamps from the car...The oven trick and head lamp lense removal is very easy and fast....