All I have to say is if Rodgers ends up in a Viking uniform I’m done watching the Vikings. I didn’t have any problem when Favre ended up in purple because I respected him as a player. I can’t stand Rodgers. He’s not a team player and would be cancer for this team.
If there is an actual loss, take them to Appraisal. You will win 99.9 percent of the time.
BTW – Insurance companies do not want you to know that.
I don’t mind them knowing that. If fact if a customer thinks the adjusters findings were wrong I often tell them to. You are correct id there is a actual loss they will win. The key is a actual verifiable loss. Many contractors believe there is a loss when there is not.
How do you explain the specific example I got with Progressive where my son went to the website and I went through my agent and quoted me something significantly higher for exact same coverage? The ONLY difference is one was through an agent.
I’d have to see both quotes to tell. My guess is something was different in the coverages or one picked up something different on the rated drivers than the other. Also some agents give the quote #’s before what’s called validating the policy and other only give the quote after that’s done. Its during the validating process that MVR’s and other research is done. Often the validating picks up something that raises the rates that was not on the original quote. I always push the quote thru the validation process prior to quoting a price. Also progressive is a lot different in that sometimes you can purchase direct thru the company without going thru a agent. Not sure if the premium is different direct or with a agent or not.
I agree, but its still bullshit. Why should someone who is a safe driver, doesn’t have a record, and doesn’t submit claims pay the same premiums for the exact same policy as someone who is aggressive, has moving traffic violations, and has submitted claims?
Certain clients should be paying less based on their history and driving habits, and certain clients should be paying more. Bundling everyone into the same group of drivers just because they use the same insurance company is crap.
Gim, It may seem like those with more claims are not paying more than you but they are. Just because your rates went up does not mean theirs went up the same. I can verify that those with claims are paying more than those without. Yes everyone rate goes up due to more overall claims, but those who have claims are truly paying more than you
I made a comment about how it might have been cheaper to hit the deer due to some of the parts costs and he said if he hit the deer it would have been a comp claim instead of collision and his rates wouldn’t go up because of it
This is generally true. Generally comp claims are not held against you while collision claims are. The thought is one you can control and the other you can not. Often people in Minnesota carry a lower deductible on Comp. than on collision. This is due to the fact that two of the most common claims in Minnesota are Hail and deer collisions. People feel they can control the collisions but can not the hail and deer.
You almost always have to fight hail claims in Minnesota. First adjuster refusal is all too common and almost predictable. Often the 2nd adjuster will agree with the homeowner if the damage warrants replacement.
Keep in mind that insurance companies have to do their job and make sure the claim is valid. They owe it to their customers to make sure they limit claims to those situations that have actual damage. If not and they simply put a new roof on every time a customer or contractor feels like they have damage, the cost of insurance that everyone is now yelling about would be even higher. Home owners often assume that just because others around them have roof damage they do as well. they often take the word of a storm chaser knocking on doors after a storm in a area ( these people often stand on the ground and look up and say I can see damage from here, I don’t even need to get on the roof and looks. Keep in mind. A roofing contractor only makes money if they replace a roof. I know several contractors who would say there is damage on a roof that was replaced a few days ago and its been sunny without any bad weather since. Not saying all contractors are bad or dishonest, but like most business there are good and bad. Never trust a door knocker. Good local companies don’t need to knock on doors to get business’s. I could not tell you the # of times where a customer was told they have hail damage and they did not. I always tell customers to have their contract plan to meet the adjuster on the day the adjuster comes out. That way they can be on the roof together and go over what each is seeing. many times I’ve had a adjuster meet a person from the contractor and when getting up on the roof have the contractor say ” I’m not sure what our employee was seeing, There is no damage here ” During covid years most insurance companies stopped having adjustors review claims and took contractors word for damage. that is not the case these days. Insurance companies are now making sure a claim is valid, They owe that to all their customers to try and keep insurance cost down. The days of people having old worn out roofs that they should replace at their expense and just waiting for a storm to file a claim and hope they get a new roof for only the cost of their deductibe is over.
State Farm (auto ins.) is great to work with when their customer is at fault. I will share that homes in our area with State Farm are the least likely to have roof replacements due to hail.
If you want to find out what insurance companies fight people the hardest on home claims, Just ask several home contractors. The contractors I know all give me the same 2-3 companies who they have the most issues with.
Here is another example of how I believe the agents themselves are taking a major portion of these premiums
I can tell you that a Agent has no control over premiums or their commission rates at all. Sure wish they did. A agent doesn’t like it when rates go up any more than you do. As far as commissions goes, most agents commissions have gone down in the last 5 or so years. If you think that being in a state where there is still many options for insurance is a bad deal, Just ask those who are now living in a few states where most Major carriers have pulled out of the state. This is most likely going to be happening to more high claim states in the future. Having only a few companies to chose from or worse yet needing to rely on the government ( State Pool Insurance ) Is not good for homeowners. Most people don’t understand that Minnesota is a high insurance state for a reason. We are year in and year out one of the highest claim states in the nation. High in Hail claims ( really highh the last 3-4 years ) High in deer collisions ( One of the highest in the nation ) High in auto collisions ( Long slippery winter roads ) Snow and ice damages to roofs and other structures, Ect.
There are some reasons why various companies ( Think Lizzard and Ditzy Brunette ) are cheaper on auto policies. They are most often putting the majority of their clients at State Insurance Minimums ( 30/60/10 ) this really limits their risk in a case of a bad accident. Most good agents will not even write policies at these limits. For those who don’t understand those limits I’ll clarify them. That is 30,000 and 60,000 for bodily injury. If you or a driver in your auto is determined the at fault driver they will only pay out 30,000 for injuries if only one other person is injured and up to 60,000 total in more than one is injured. With todays medical cost 30,000 is not going to cover much. worse yet that 3rd # is the property damage damage. That’s 10,000 of property damage. Once again if you or a driver of your car is determined the at fault party they will only pay out 10,000 for the damage to other parties property. I’d say 75+% of cars on the road have a higher total loss amount than 10,000. This is not to mention other property that could also be damaged ( you would be shocked to find out what a city charges insurance if a city stop light is damaged in a accident ) The company has meet their obligation at those amounts. The damaged party is not going to stop there. The at fault party is going to most likely end up in court and end up with a judgement against them. These companies don’t even want to or even sell sell home insurance, They often pass that off to a different company that sells rather poor home coverage insurance. Insurance is no different than other things. You often get what you pay for. the cheapest car made will get you from point A to point B but most buy a more expensive car – Why ??? my guess is they think some of the additional features are worth the extra money. Why should your insurance purchase be any different. If you are going to base your insurance choice simply on the lowest cost, fine. I just hope you someday don’t find yourself in a a bad situation where you end up finding out why that insurance was so cheap.
Another nice win for the pack. They seem to be getting better each week. I guess we will find out who they really are when they play The lions on Dec. 5th and Minnesota on Dec. 29th. They play in the toughest division that’s for sure. I do like that they seem to beat the teams they should and don’t seem to play down to the lesser teams like another local team. Then again they are 9-2. How they got there doesnt matter
I got out for probably my last open water outing of the year yesterday. We were mostly chasing walleyes but did manage to land a fair # of nice fat bass as well. Caught fish on both a jerkbait and a jig with a paddletail. Both worked painfully show. Water temps were 40-42. With the forecast for the next 10 days ice will be forming soon. This was probably the latest I’ve opened water fished in a LONG time. It was a fun fall season with some real good outings. Not any really big fish which was a bummer but consistent action.
Wow !!! That one has been feeding well.
Just my luck. Next weekend for the opener of muzzleloader season the forecast is rather cold. Good thing there is 3 weekends of it and we normally only hunt a short time in the mornings and evenings. On the plus side the colder weather should have the deer on the move feeding more.
Depending on these future case’s, this may end up badly for Sig. I myself do not own one, but they have been high on my list the last few times I’ve shopped for a new handgun. I know many on here are against a handgun with a external safety but I personally prefer them myself. Just my personal choice. I train with my often and don’t feel like it would ever be a issue in a high stress situation if ever needed.
I have to believe that with all of the people choosing FFS it has to hurt the sales of flashers. I myself have not brought my flasher fishing in a few years.
Even if I owned a FFS unit, I would hot hit the ice without a flasher. I could not see myself moving that FFS setup from hole to hole. To me FFS is a tool to use to located the fish and the flasher is the tool to use to catch the fish.
This is one of the reasons why I’ve keep my K-drill and held off on buying the lite flite for so long. My K-drill is still on the original blade’s now going on close to 8 years. I purchased a new set a few years ago thinking I’d change them and mail in my current ones to be sharpened. have not felt a need to do so yet. I have plans to get the lite flite this season. My buddies who have the lite flite have had to replace the blades almost every year. Then again these are guys who drill a ton of holes each year. No one that I know of who has tried to have the blades sharpened have had any luck. Probably best to just purchase a new set.
<div class=”d4p-bbt-quote-title”>3rdtryguy wrote:</div>
That Piscifun rod looks interesting.I agree. And the price is right to just give it a try
That’s what I thought. I think on the site it has a wheel that spins that takes another 50% off and great deals on buying more than one of them. I own way too many ice rods with spring bobbers, but it’s all I fish for panfish with.
all you guys looking at new stuff…….do you have your wife’s approval?
I find it much easier to ask for forgiveness than approval. Just purchase and deal with the fallout after.
See Piscifun has a new rod called the Ice focus. It has a titanium spring bobber. I think I’m going to give one a try.
Going to replace my K-drill with a new lite flite lazer.
I’ll add in a second choice in a bite smaller penlight size. The Thrunite archer is also a great flashlight. This one uses 2 AA batteries. It last a long time on a set. 3 brightness settings I believe + a strobe. Rather affordable as well
I found with flashlights like most things, you often get what you pay for. I’ve owned and tossed a fair # of cheaper flashlight. They work ok at first but the first time you drop one and that’s the end of them. I spent a little more on my last 2 and will probably die with them still working.
Fenix PD35R uses 18650 or 2x cr123. I’ve had an older Fenix forever and they’re pretty bulletproof.
X2 – I have the PD36R and love it.By far the best small flashlight I’ve owned. Adjustable from soft light to extremely bright. Real durable. Mine has taken a beating and still works great. I have probably charged mine 50 times and battery still seems like new. Depending on brightness the battery can last a real long time between charges. Get yourself one and you won’t be disappointed.
Caught some real nice fish on Sat. Bass are still biting. Needed a real slow twitch and pause on a jerkbait to get them to bite. Fish are real tight to shore or cover right now. Water temps in the 42-43 range. A few degree’s cooler and I think the bite will fall off to almost nothing in open water. Not a lot of fight to fish in this cooler water though. Fish are all big and fat and have great color right now.
Wrong audience. People that live in apartments or paycheck to paycheck aren’t going to buy a quarter beef and certainly can’t afford a freezer. My point is that Smithfield fills a niche for lower income families. You make valid points but your solution doesn’t fit this demographic.
Are you saying the demographic of this group or of the country as a whole are living in apartments and living from paycheck to paycheck. I get the feeling often that you believe there are only the rich and the poor in this country. There is a large group of people inbetween those two groups. Far more people who you believe are to poor to afford a freezer and a 1/4 of beef could do so if they cut out a lot of the other silly crap they spend their money on
I’ve got a trail camera setup in my back yard next to my ” Squirrel Feeder ” I also live within the city limits but have a rather large wetland and undeveloped woods that butts up against my back yard. Been getting lots of decent sized bucks on the camera lately. They are on the moving and chasing right now for sure.
Keep these warmer days coming. Loving the extended open water fishing season. This may be the latest I’ve ever fished open water. I’d be fine fishing open water till Christmas.
I agree…there are a lot of posters on IDO that claim the city is a cesspool but have never spent anytime here except maybe going to a Vikings or a Wild game.
Matt – as a person who lived in the Metro for over 30 Years of my life ( Richfield, South Minneapolis, Bloomington, Burnsville, Savage ) I will not say its a Cesspool, but I can say that I am more than happy to not be in the area anymore. I saw all the changes it went through and most were not for the better. I know several people who live in the city and are happy with it. Just not for me. I know if I still lived there and spend much time in the downtown area’s, I’d carry 100% of the time.
A knife is the absolute worst self defense weapon
Would not be high on my list, But better than nothing. All the points you made are valid though. A handgun is not for everyone. I’m just glad its a choice for those who prefer it.
In this state I’ve basically come to the conclusion that if I fire my weapon at another human for any reason (even to save my own life or my family’s life while in emminent danger of being killed), I am likely going to prison. That’s just the Minnesota BS way regardless of what the law says, your training, etc.
“I’d rather be judged by 12 than carried by six”
Actually I’d like my chances in a trial here in Minnesota. It only takes 1 person that thinks like lots of people on this site.
Would love to see Paul get his ass knocked out, but doubt it will happen. He’s just way to old to be in a ring with someone this much younger.
