Random thoughts thread

4u2nvinmtl- Yikes, sorry to hear what you`re going through. That`s really, REALLY [crappy].
On a brighter note, I`m sure glad your in-laws are OK.

Ronkh said:
...[and].. That`s what they want to model our health care after.
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That`s what I was thinking.
 
Here`s another one.

https://youtu.be/aC2iPvXAggM

This guy has a few other dash cam videos as well. One shows a motorcyclist behind him and you can see the guy flinching from the heat and he just takes off. Although in that situation I don`t think I`d be on a bike, I`d be in my car.
 
I think the only liquid that is more expensive on this earth than coatings are some I.V. drugs.

What else cost $60 for 10 mls???
 
Not that I know from personal experience but I believe snake anti-venom is also ridiculously priced....of course they kind of have you in a take it or leave it situation....
 
oh the joys of storm season when you are a Senior Catastrophe Adjuster for one of the largest insurance companies in America.

11 hour days, endless calls, and the worst part-- having to see the carnage left on NICE vehicles

oh and did I mention I am now terribly frightened by any upcoming storm since all I see 55 hours a week is how much carnage these large storms leave
 
How in depth do you go when doing assessments? I would imagine with flood damage it`s hard to determine exactly what would need replaced, especially when it comes to electronics and wiring.
 
Ronkh said:
and how much is flood replacement value?
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It depends
We use a jd pwr based valuation program.
On auto, we deduct from that based on vehicle condition.

As far as soecial lines (rv etc), a lot of people over insure those so we end up using acv (actual cash value)

Nautical said:
How in depth do you go when doing assessments? I would imagine with flood damage it`s hard to determine exactly what would need replaced, especially when it comes to electronics and wiring.
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We use a 4 tier system.
Tier1 no interior water ext only
Tier 2 would be water level at floorboards
Tier 3 water level at seat tops wet (water below dash)) level)
Tier 4- i call it SOL ;)

Of course naturally there`s variance in a couple things. Most of these flood cars don`t come back and depending on the state you may or may not be able to salvage this flood vehicle.

If it`s an obvious total loss Most states require us to junk label the title which means that the vehicle would not be able to be registered to legally drive on the road.

Hail damage however does not show up on your title .we do not brand your title for hail damage so remember that next time you go buy a car.
 
512detail said:
It depends
We use a jd pwr based valuation program.
On auto, we deduct from that based on vehicle condition.

As far as soecial lines (rv etc), a lot of people over insure those so we end up using acv (actual cash value)


We use a 4 tier system.
Tier1 no interior water ext only
Tier 2 would be water level at floorboards
Tier 3 water level at seat tops wet (water below dash)) level)
Tier 4- i call it SOL ;)

Of course naturally there`s variance in a couple things. Most of these flood cars don`t come back and depending on the state you may or may not be able to salvage this flood vehicle.

If it`s an obvious total loss Most states require us to junk label the title which means that the vehicle would not be able to be registered to legally drive on the road.

Hail damage however does not show up on your title .we do not brand your title for hail damage so remember that next time you go buy a car.
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That`s interesting about the hail damage not affecting a title. One would think that if the cost was enough that it`d be deemed a loss and noted as such, as long as the insurance company was involved. Obviously if it`s repaired without bring reported that`s a different story. I would imagine it shows up on a vehicle report though? Again, as long as repairs were done through insurance.
 
Nautical said:
That`s interesting about the hail damage not affecting a title. One would think that if the cost was enough that it`d be deemed a loss and noted as such, as long as the insurance company was involved. Obviously if it`s repaired without bring reported that`s a different story. I would imagine it shows up on a vehicle report though? Again, as long as repairs were done through insurance.
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What most people think is carfax when they think vehicle Report or something similar to that insurance companies actually have a completely separate reporting system so while you may be able to sell the car to someone without them knowing there was hail damage on it once you file a claim your insurance company will know if there was ever a hail claim on it before.

I always ask the insured "was there any previous hail damage or any previous salvage title" and they always say no and then when the vehicle is evaluated as a total loss we run a few reports and it will show a salvage title from a previous hail claim.

Because when they bought the car they ran Carfax and didn`t show up on there. A system can only show up once reported.

Insurance companies are required by law to share this information internally through a different program otherwise they will not be allowed to legally sell insurance.
 
512detail said:
What most people think is carfax when they think vehicle Report or something similar to that insurance companies actually have a completely separate reporting system so while you may be able to sell the car to someone without them knowing there was hail damage on it once you file a claim your insurance company will know if there was ever a hail claim on it before.

I always ask the insured "was there any previous hail damage or any previous salvage title" and they always say no and then when the vehicle is evaluated as a total loss we run a few reports and it will show a salvage title from a previous hail claim.

Because when they bought the car they ran Carfax and didn`t show up on there. A system can only show up once reported.

Insurance companies are required by law to share this information internally through a different program otherwise they will not be allowed to legally sell insurance.
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So when buying a vehicle and running the VIN through insurance prior to purchase, do they disclose information like that up front or only if you ask? I know with my past few vehicles I always ask for a vehicle report such as Carfax but also give my VIN to insurance prior, mainly just so I understand what my insurance costs would look like before committing to buying a vehicle.
 
Nautical said:
So when buying a vehicle and running the VIN through insurance prior to purchase, do they disclose information like that up front or only if you ask? I know with my past few vehicles I always ask for a vehicle report such as Carfax but also give my VIN to insurance prior, mainly just so I understand what my insurance costs would look like before committing to buying a vehicle.
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We would not approach that topic unless in the context of why we subtracted x amount of dollars from your total loss evaluation settlement
 
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