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Yes the consolidator thing is an issue with the little brands. Geico owns a lot of them. They use those to push their assigned risk pool into. Other big carriers do the same thing. American Family has bought up some of the smaller brands but they are bringing them under the umbrella of the primary claim operation, so just increasing market share not just using them to harbor assigned risk pools.Yeah I don't air dirty laundry in specifics, on any of my past clients. I will comment on industry trends I have witnessed, without naming companies as bad actors.
Also, conglomeration is a big deal in insurance -- entities that seem to be small companies often are subsidiaries of larger companies who are known to be more ruthless, but the small company is created for "brand differentiation" you might call it.
You and I could have some interesting talks. Do you recall the Port Elizabeth fire in New Jersey, late 1980s? I clerked for the judge who handled the coverage disputes on that fire. It was a gigantic mess because one of the tenants (among many at the Port) had sloppy materials handling and sloppy fire prevention, but many other tenants were ok on those fronts yet still suffered losses.
I worked a few arson-suspected claims as well. And a lot of other coverage scenarios. If it was an aspect of property, casualty, liability, or re-insurance, I've probably done it or something very close to it. Nerdy boring stuff to most anybody, though.
That is how claims are supposed to be handled. It is the adjusters job to guide the person through the claim and tell them every coverage they have that applies to the claim at hand. If there is coverage that applies, and the adjuster knows it but doesn't tell the customer that amounts to a bad faith breech of contract.I guess my point was that it really does depend on the insurance company and the local agent. I had one company/agent that would only honor the parts of the policy that I called out, or filed under. They were completely fine with not paying for everything covered under the policy if I didn't raise it as a claim. USAA on the other hand, went out of their way to make sure we got everything our policy covered.
Point being, it was $ I wasn't aware of being covered, that they ensured we claimed. So, not all companies are inherently bad, and some go out of their way, looking out for their clients best interests. You just don't hear about it often, because mostly its the negatives that get voiced and repeated.
The cutting operation/gear swap isn't a problem so much as an annoyance. I'm mostly just curious about the other thread option.Is your trouble with metric just the gear swap, or the actual cutting operation? My gears swap in about 10 minutes, and the cutting operation is simple. Some over complicate it, which is why I ask.
USAA is probably the best claim operation in the business right now, followed closely by American Family and Farm Bureau. State Farm used to be the best but they went through a tough time with an incompetent CEO. Now that he is gone they are rebuilding their brand.Some carriers -- and there are not many of them -- actually work cooperatively with their insureds when a claim arises. USAA has a good reputation for being helpful, not adversarial.
Most carriers see a lot of fraudulent claims and even w/o fraud they are tight-fisted with their $$, so they make insureds jump through many hoops. Partly this is to weed out fraud. For some carriers it's a way to be stingy.
I did coverage defense for many different carriers. They vary in their "friendliness" to insureds.
yea, and? the picture is bullshit.
the picture is what I addressed in both of my posts.
I looked through your article, and unless that picture didnt load on my browser for some reason, I didnt see it there. if it is there then all the info is suspect(I dont believe it is but), in this day and age, if media is lying about one part, they are most likely lying about most of it and that makes all of it questionable.
on an adjacent point, where in the continental US are they gonna go for a experimental bomb test that has zero people within 150 mile radius?
Im absolutely not saying what they did was right, not saying they didnt do it, and not saying it never occurred, but at the time they only had some educated guesses what would even happen when, or if, it detonated.
if the gub'ment doing something like this to its citizens is surprising to you, you should do some homework on what governments, including our own government, can and will do to their own people or have already done to them, and have done to them throughout history.
I mean, Shirley, at the very least, you can remember the whole covid thing?
anywhoo, after all that, my point is/was that the picture is bullshit.
Negative Ghost Rider....
JP Thermo Fit Receivers are under sized, and thier small frame barrel extensions are standard .98 IIRC..
JP is an interesting situation for thermofit all the higher end JP stripped uppers are Thermo.
If you buy a JP-15™ Stripped Forged Upper Receiver it's not thermofit.
If you buy a JP-15 assembled upper or rifle it is thermofit. I believe they have a different upper they sell at retail that is not used for the builds.
Well no. I was asking you questions and you are being a feckless cunt as per the usual.Again on the blatantly not reading and bitching.
That was in regards to his question about mixing lots and how you would test that. Seriously. Try reading first and bitching second.
Now you’re just trying to carry things farther away from anything related to his question - which you just through a senseless jab about.
I’m very comfortable with what I’m doing regardless of what you think about it
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I stay home, wife binge watches Hallmark channel, I got hobbies that don't include her.Spent the last few weeks driving around the country trying to see nature. A few highlights:
Carry on.
- I really fucking hate motorcycles. I'm 10 miles out in the wilderness and can still hear those faggots.
- Why is every other lot in WY a junkyard. Like seriously wtf.
- We are doomed as a species. Its only a matter of time. Guy tried to start a fight with me because he was in line for a stupid boat and I was hiking past. "This is the line for the boat" "I'm not taking the boat"
- Fuck Canada. (Went looking for advice on Banff and it was some lib cuck bitching about America. F that noise. I'll go visit the Badlands instead. (Plus my favorite park has been overrun)
- Fuck National Parks. So damn overcrowded. You can't even park after 9AM. So just get up early! yeah you get about 3 hours of park use per day that way before the shit gets zerged.
- Control your crotch monkeys. Yeah my 50 YO ass is slow going up the trail. I can also yeet your little shit off the cliff if he keeps mouthing off. I try and be polite and let people pass. Even my patience has limits.
- After listening to hours of true crime podcasts on the drive:
- Media has always been ass
- Medical laws exist for a reason (The number of quacks who turn out to be serious killers is amazing)
- Still wouldn't trust a "real" doctor as far as I can throw them.
- Can you idiots pick up your trash for once in your life?
- I'm booking an elk hunt cause those fuckeres hid for 2 weeks. Pronghorn/Bison? We cool. Moose, you're next. Bears: I'd hide my ass in the woods too. Stay fluffy boss.
- Buy more ammo
- I am an old cranky bitch.
Oh great, a pea brain heard from. How people with this kind of mentality make it through life it a mystery. This is the kind of guy that thinks the insurance company is out to get them, then accuses the body shop of ripping them off too. He is also the kind of guy that wrecks his 2002 Honda Civic with 350K miles and wants the insurance company to buy him a new Honda Accord to replace it. This is also the kind of guy that no matter what the insurance company paid him he would think if they paid this much they must owe me more.Maybe because thats what insurance companies do... like 9 out of 10 times.
How many insurance stories have you read where the person was like "oh my fuck they gave me 125% value for my car that was totaled"? Most likely between 0 and 1...
How many insurance stories have you read where the insurance company offered like 50% value of the item and claim market rate, when everybody(including them) knows its complete horse shit. Then you take weeks on end, maybe a lawyer, etc... to get them to come up to a more reasonable number, which is generally probably still low.... My guess is a ton.
I think thats why people are expecting a hassle when it comes to dealing with insurance no matter the product being insured...
My guess is PV, like most everybody if they are honest, was under-insured, but possibly not due to the product they inventoried. Hell its possible somebody wouldnt even SELL them fire insurance and they could be royally fucked... no clue. If they have the policy limits and the live computer inventory of their warehouse it should be a pretty easy settlement. Stuff like the value of the building and other things will be where they possibly get into a tug of war with the insurance.