Good morning!!!!

[toppop52]

It got to 82 early, then a wind shift line came through an switched the wind to easterly and dropped us down to mid 70’s.
Went to Chincoteague and had our Mr Whippy’s ice cream and checked out the scenery. We had a twenty minute delay both ways due to roadwork. But we got to watch three ASW planes doing touch and goes at Wallops. Also picked up the 12” staples for stabilizing our border bricks and installed them. Ellen, her daughter and girlfriend are going to Longwood Gardens tomorrow, thankfully I’m not.
Everyone with ailments or sick family, God bless you.

 

[toppop52]

Kyle, I don’t know who your insurance company is but in most states you can negotiate your settlement and not just take their first offer, and you can demand reasonable time to replace your car before turning in the rental. How would you replace it until you found out the settlement amount.

In 2005 my late wife’s 2 year old TrailBlazer was totaled by a fire truck Wife and daughter had minor injuries. State Farm whom I’ve been with since 1984, told us that afternoon that they would come discuss a settlement with us the next morning after confirming the total loss. They wrote a check for $21500.00, $19,900. For the vehicle, and the balance to cover our inconvenience and cover the cost of the search for a replacement such as rental car, etc… The $19900.00 was full retail. This and other experiences is why I’ll never look at another insurance company. My current wife was with Progressive, I got her on my policies and she saved $85 month on car insurance, and a little over $500 a year on homeowners and they didn’t even need an appraisal.

 

[Popgadget]

Kyle,
Not sure what state you are in, or how determined you are to get a fair settlement, but if you have a legitimate damages caused by someone else, they are ultimately responsible to make you whole. Generally they have insurance to protect them, not you. But their insurance company’s unwillingness to make you whole does not relieve the person that hit you of any responsibility UNLESS you sign a release accepting what they offer.

The bad part is that you will likely have to sue them to recover what they owe you. And of course, their insurance company will most likely be obligated to defend them.
I have been successful at telling an adjuster I’ll take what they offer, not sign a release, and then sue their insured for the balance. They basically threw in the towel and paid what they should.

This was for a property claim.
Injury claims are a whole different kettle of fish. But you might want to contact a local lawyer to see what your options are.

 

[sodamo]

Kyle, the insurance company is banking on you needing to settle and settle quickly.
When Sophie was in her horrific accident, best advice we got was get an attorney. Naive us thought the insurance companies would be willing to settle fairly. Our company did offer us fair for the totaled vehicle snd I let them fight it out with State Farm. As for the personal injury, State Farm dragged on, hoping we NEEDED to settle. Fortunately friends had linked us up with one of the top PI attorneys in Atlanta. More fortunately, we were able to adjust our lives that for all appearances we didn’t need to settle in any particular time frame, basically we could survive on my income. Eventually, they couldn’t delay for reason and we went to arbitration. Boy the mind games the attorneys want to play. But I had prepped a binder 4 inches thick. Once SF attorneys knew we came prepared and not to play games it actually went pretty well. Their tactic was to appeal to us indirectly by talking to wife’s attorney. His response was great. He’d look at me, wait for MY response then turn to SF attorney and say, “what he said”. After the initial insulting offer it almost became fun. We never let them make any headway at amount our attorney said should be the minimum. Even better after agreeing to the amount, we restructured it to our benefit.
Never did find out how USAA made out, but we were already happy with their settlement with us.
You appear to have a number of factors on your side, play to those strengths, avoid being too quick if you can. Do particularly mindful of your medical issues.

 

[buckeyefarmer]

Have a safe trip, BEF, and don't strain your back.

Hope not to. Made it to wife’s moms place. I backed the trailer up the steep narrow drive, only took out 1 iris. Should have left it down along the road. Waiting for my son to show up in his car.
Trailer pulled nice, must have loaded it well. Hub temps were 105° when I parked it.
Tomorrow the long day driving.

 

[mostly_gas]

Good evening all. 66F for the start overcast light breeze. Light drizzle, light wind, and high temp 73F. tried ride bike early but roads too wet. Went to town to grocery shop, get gas and lunch. roads still wet when get home so napped, then too late to ride .
Covid update: Cooke 3224 confirmed cases, 6 active cases, Montague 1769 confirmed cases, 5 active cases, Grayson, 11331 confirmed cases, 26 active cases, local not updated.
Kyle thanks for update, praying you can get a replacement car, and you medical issues documented
David sorry Sophie lost out on the tractor.
Doug congrats on selling NZ farm, nice looking field.
Roy thanks for sharing pic of Bella
Ron thanks for sharing info and pic
Ron sorry you did not get back to sleep. hope shopping went well
Buppies thanks for your prayers
Paul good to hear HD made good on hose.
Drew sorry about Burpee tomato plants, hear a lot of small planes here just bon't know the pilots locally.
Eric nice blooming pic
Bill sorry about DIL, glad you got some rain
Rick sorry about the tree damage, we know some of what you will be doing
RNG good to hear steady progress on fire defense perimeter. Glad not a lot of work to get spools and hoe to play nice with each other
Andrew welcome to GM thread
RS nice light on the cub. nice progress on the homestead.
Mo enjoy your seat time at the farm
David hope you made some progress
Don hope you got a good haircut. Always wonder why one place 1.5 hour wait next place no wait.
Rich sorry about no power at work. always took a few minutes to decide power is up for good, and then a few more to boot servers
Drew thanks for update. glad you got to spend time with friends
Thomas if STP no work, try fuel injector cleaner.
Bill glad DIL is ok at this point
Randy thank for story, why we are with StateFarm
Dennis hope trip goes well.
prayer for all, especially Jay/Peg, Kyle's daughter and car crash,Bird/aging issues, Billy/skin cancer, David(moss)/remodel/divorce, Buppies cancer surgery, Phil/reflux/wife's eyes,Steppenwolfe/son-auto immune disorder, Dennis/older brother/son, Grev/wife's eye, Randy/recovery, Bill/DIL home care, Ted/knee recovery, Doug and wife/health issues/nerve and pain/ wife's eyes, Ken/uncle, Drew/tendon healing, David(sadamo)/Sophie's eye surgery,RNG/fire season, and Country.
stay safe and healthy you all.

 

[Andrew Thomas]

Thanks, Andrew. I'll take a look.

Welcome to the GM thread!!!!

Thank you for the warm welcome.

 

[RoyJackson]

2021-05-21, 0332

59 right now...high right about 90°...

 

[Thomas]

Thomas if STP no work, try fuel injector cleaner.

Thanks for sharing.

 

[Thomas]

58F just might reach 90F today.

E muffin soon outside chores.
Plans for today..Try and cure riding mower rough idle than lay low because of high temp.

Enjoy your day all.

 

[Looking4new]

Good morning, 66 now and forecast high of 82F. Wind S 5 mph. 40% chance of showers.

The Dodge didn't get waxed yesterday, so I might do that today. Then again I might not. I am winding down on my last few days of freedom before going back to work.


Have a safe day all

 

[ronjhall]

Coffee is done brewing. 58° with clear skies this morning. Heading to 87° with increasing clouds in afternoon. Got grocery shopping done. Came home and mowed grass. It was warm by the time I was done. Stayed in cool house rest of the day. Need to put out carpenter bee traps today. They keep dive bombing me when i am near barns. Do a little trimming. Then stay in out of the heat in cool house. After 3 days of 80° temperatures. Temperatures in house have creeped up to 74° from its normal 72°.
Single bud from Red Bud tree.

Andrew Thomas, Welcome to TBN Good Morning Crew.

Kyle, sure hope you get insurance straightened out.

Everyone stay safe and healthy.

Good Morning All.

 

[daugen]

good morning all
even warmer today, getting up to 89 in sunshine
I did too much yesterday and am awfully sore this morning, up in middle of night again, going to try to
do as little as possible today. Except perhaps make a pie.

Welcome Andrew. Where is home for you?

 

[Buppies]

58high of 86 today pollen is everywhere sneezing a lot two inches down on rain drought status soon

Prayers for all Mostly wife, Stepp son, BEF safe trip, L4N DIL, Sodamo wife and eyes. LS knee, our Country, Toppop continues healing and no relapse

 

[wngsprd]

52 feel good degrees...going to 84. Very dry.

Nice hike yesterday.

 

[Popgadget]

Good Morning
50 heading o upper 80’s today. Another day with clear skies and no rain. It’s starting to get pretty dry out there, water level pond is down a bit as well. The only good thing is that grass has slowed down, I’ve got more time between mowings.

Yesterday’s meeting went pretty well, I think that we have a plan to move forward. I got to make a few parts for a friend repairing some hangar doors. I couldn’t find my 3/4 drill bit so I had to drill 11/16 holes and open them up with a boring bar, but other than that it went pretty well. Helped youngest son cast some bullets and then got some speaker work done.

Today I might mow a little this morning before it gets got, but only around the house , the large areas aren’t growing as fast. Then I’ll head into the shop to try to make some speaker progress. Couple more orders in works, the “check’s in the mail”.

It’s important to keep in mind how insurance works. It simply covers the policy holder according to their contract with that policy holder. If someone causes a loss to you, their insurance is an interested third party, but has no obligation to you, just to their policy holder, who in turn is obligated to make you whole, regardless of their policy limits or language.
If you turn to your own coverage, then you are bound by the limits and terms of your own policy. And as a last suggestion, if you have multiple auto policies, make sure that your un and underinsured coverages are “stacked”, the small savings by not stacking are not balanced by the coverage gained by stacking. (Disclaimer- I’m neither an attorney or insurance broker, so this advice is worth what you paid for it).

 

[txdon]

Good morning! 68˚F cloudy, heading to the mid 80s. brush clearing was canceled this week because of intermittent rains of less than 2".

Mostly, the first haircut place, had 3 delicate people cutting hair and cut mens and women's hair, the second place had 7 men cutting hair at an all mens, manly barber place. They look like they drive Harleys with their bellies, beards and tattoos and no offer of a shampoo or styling. Both places same price - $15 for basic haircut.

 

[RedNeckGeek]

Good Morning!!!! 50F @ 4:45AM. Sunshine to start, then a few afternoon clouds. High near 75F. Winds NW at 10 to 20 mph.
Crazy weather yesterday. Sunny and brisk in the morning, then as I was digging stumps, dark clouds moved in from the north, the wind picked up, the temps dropped, and raindrops started coming down. By dinner time, the sun was back out and the temps had recovered. No rain in the gauge, just the threat.

You're getting some good advice here, Kyle, and I hope you can work out a settlement without going to court. The PI attorney for the big motorcycle wreck wrote several letters, and once the other insurance company saw we were playing hard ball, we came to terms. It took time, though, so try to be patient. Don't go for the BS of private sale vs. dealer sale, either. You're gonna pay what the current market dictates, and prices are up due to CoVid. Bring A Trailer might be a good reference, too, KBB tends to be long out of date, cars.com is good, ebay motors might be your best shot. See if you can focus on auctions in your immediate area, as prices will vary regionally. And all the work and money you've poured into your commuter should put it at the top of the price range. Make them pay for your rental car. The longer they drag their feet, the more rent they'll have to pay, and that'll work to your advantage.

Figured I needed to get some time on the backhoe before I tackled that steep hillside, so I dug out a couple of stumps yesterday. Two were easy, but a triple trunked oak is still laughing at my attempts. Busted a lot of roots, but I think there's a tap root buried deep. Maybe I'll take a grinder and sharpen the edges of the trenching bucket to help get through the roots...

I took yesterday's "bad" weather as an excuse to finally do something about Medicare. I learned that my last employer is still subsidizing my medical insurance. They're "sponsoring" an Advantage plan with United Healthcare that looks like it has all the bells and whistles, with an unbelievable monthly premium of $11.15. Seems too good to be true, but that's what the agent I spoke with said. I can still go with Original Medicare, but that looks like a real mine field with premiums and coverages all over the map. I need time to dig into the fine print, but there's an end-of-month deadline coming up quick...

Gosh, Friday already. TGIF!

 

[kenmbz]

Morning all, sunny and a drop cooler today.
Spent a few hours clearing around the trees I need to fell this weekend. More Ash of course.
Son gets his first of pfizer tomorrow. Pool is open and now more to my daily list of things to do. Though once set with the Salt Water , robot does most of the cleaning.

Garden is coming along ok, Tomatoes are still standing and Radishes are getting bigger.

Stating to see the Stilt Grass shooting up. That needs to be handled as it chokes out everything, even small bushes.

Fox and deer yesterday seems to have been a misunderstanding. Seems fox was so intent on the mouse that he caught, when the deer came crashing out of the bushes, fox dropped mouse in neighbors driveway and was screaming as he ran away.

Stay safe and be well.
New Purple Iris.

Angry Flowers ?

 

[wngsprd]

Good Morning!!!! 50F @ 4:45AM. Sunshine to start, then a few afternoon clouds. High near 75F. Winds NW at 10 to 20 mph.
Crazy weather yesterday. Sunny and brisk in the morning, then as I was digging stumps, dark clouds moved in from the north, the wind picked up, the temps dropped, and raindrops started coming down. By dinner time, the sun was back out and the temps had recovered. No rain in the gauge, just the threat.

You're getting some good advice here, Kyle, and I hope you can work out a settlement without going to court. The PI attorney for the big motorcycle wreck wrote several letters, and once the other insurance company saw we were playing hard ball, we came to terms. It took time, though, so try to be patient. Don't go for the BS of private sale vs. dealer sale, either. You're gonna pay what the current market dictates, and prices are up due to CoVid. Bring A Trailer might be a good reference, too, KBB tends to be long out of date, cars.com is good, ebay motors might be your best shot. See if you can focus on auctions in your immediate area, as prices will vary regionally. And all the work and money you've poured into your commuter should put it at the top of the price range. Make them pay for your rental car. The longer they drag their feet, the more rent they'll have to pay, and that'll work to your advantage.

Figured I needed to get some time on the backhoe before I tackled that steep hillside, so I dug out a couple of stumps yesterday. Two were easy, but a triple trunked oak is still laughing at my attempts. Busted a lot of roots, but I think there's a tap root buried deep. Maybe I'll take a grinder and sharpen the edges of the trenching bucket to help get through the roots...

I took yesterday's "bad" weather as an excuse to finally do something about Medicare. I learned that my last employer is still subsidizing my medical insurance. They're "sponsoring" an Advantage plan with United Healthcare that looks like it has all the bells and whistles, with an unbelievable monthly premium of $11.15. Seems too good to be true, but that's what the agent I spoke with said. I can still go with Original Medicare, but that looks like a real mine field with premiums and coverages all over the map. I need time to dig into the fine print, but there's an end-of-month deadline coming up quick...

Gosh, Friday already. TGIF!

I have a United Health Medicare Advantage plan and really like it (monthly premium is $0), covering dental checkups, eye exams, and prescriptions, too. But, don't forget, that even with an Advantage plan, you still have to pay the government a quarterly premium for Medicare.