I'm Engrish! Problem sorted, my mate had put my charger away somewhere in her house and forgot about it. Thats one problem sorted, now just for the keyboard fix.
You over think waaaaaaaay too much... In the USA, car insurance is very simple. If you buy a brand new $20,000 car and wreck it in a week, they will pay you $17,000. If you buy the $20,000 car and put $4000 of modifications before you wreck in a week, they will pay you $17,000. Paying more money to insure wheels that the adjuster will value at $0 is insane.
Your missing the point, over here if you have alloy wheels on the car but insure it with steel wheels the insurance company may void your insurance as you didn't declare the wheels and you will be lucky to get insurance with anyone else. If they don't void it then they may ask you to back pay for all of the years you didn't declare them. Alloys are seen as more of a risk than steel wheels as it makes you car more desirable to thieves. If you don't declare them then the insurers see you as lying to them about the value of your car. Some insurers over here use a cars base model as the normal, if you choose to have Xenon lights installed at the factory these would be classed as a modification and have to be declared otherwise the insurers could use it against you. In theory any optional extra you choose to make your car look better or go faster has to be declared at the point of insurance. Insurance here is a big business with fake crashes and whiplash claims going on all the time, insurance premiums have rocketed in the last few years because of all the fraudulent claims and insurers will try anything to get out of paying out. The biggest con is that you have to have insurance so you have no choice but to pay the over inflated premiums. I am lucky mine is quite low but people under 21 might as well not bother with premiums easily coming in at £1700+ per year on cars worth only a few hundred pounds. Once you get over 25 things really do calm down but it still isn't cheap. I saw a story on watchdog about a lady who's premium went up £300 one year because a couple of accidents had happened in her area. These days your premium will also go up if your in an accident but your not at fault as apparently statistically your more likely to be in another crash, in the past it was only the at fault driver who had to declare the accident and would pay more.
Wow. That's a pretty scumbag move, even for an insurance company. If have to run every modification you do through your insurer or risk a voided policy?
Yep, when you do the quote online if you say yes to modifications it pops up and you can go through and tick any that you have made. Body kits etc are more likely to be put on by boy racers and so are likely to increase your premium. Some insurance companies don't class optional extras fitted when it was built as a modification but others do. To be honest I was shocked when my non standard alloys didn't increase my premium but as I said my car is garaged all week as I walk to work which probably helps with my premium. I do have commuting on my policy for the odd Saturday I come in so can use it if I want.
American health insurance companies do it too. If you have to go to the hospital for an expensive operation and they can prove you have a preexisting condition, related or not, and you didn't tell them about it, they don't have to pay.
Oh, I know health insurance companies are the biggest scumbags on the face of the earth. Try changing jobs now, you'll have to do a pre-existing screening whitewashed as a "free medical checkup". Anything they find wrong with you during the "free" checkup isn't going to be covered. That said, I've never had a car insurance company ask for yearly updates of the modifications I did to my car. Alloy wheels and body kits don't really play a factor more than $10 in the writeoff value of the car unless it's literally coming of the truck brand new.
I had State Farm a long time ago and they gave me extra money for chrome wheels when my car was stolen. It's a good company but too expensive these days.
True. I'm thinking about ditching State Farm for something else. I pay almost $150/month, and I have a perfect driving record. Seems really expensive.
Are you a fan of ALEC? State Farm certainly is: http://www.prwatch.org/news/2012/04/11439/state-farm-insurance-claims-no-fault-bankrolling-alec
My laptop keys started working again 20 minutes ago out of the blue. This is weird as they have not been working since liquid splashes got spilled on it last week. ...weird...
I found a fiver on the way to work last week between 5 and 6am too. I did buy a fiver scratch card on Monday but I won nothing. Winning the lottery(Euro Millions) is my dream. 8)
Anyone in here not own Portal 2 yet? Steam's been giving out 75% off coupons for Portal 2 for people who already own the game to gift to people. Seems like everyone here probably already owns it though, but I don't want this coupon to go to waste.
nope not me I don't own it! but don't spend money on me (on that) I'd not completed portal 1 yet and I would like to before playing that... basically HL4 might be out by that time.
I wouldn't be spending the money on you.. I don't love you that much. The coupon is tradeable so I could just gift someone the coupon.