Black Sentra SE-R stolen

[ADDirishboy]

It's only liability.

Ah. That would be why then. No loophole they had to find to not pay. No comprehensive, no money for you.

Still sucks though. Hopefully someone finds it.

[Dattebayo]

Yeah, I didn't exactly have the ~$200 a month for comprehensive insurance each month.

They don't like my credit rating.

[Bubba1]

[
No. The bill of sale is fine. How many times do I have to say that?

It's because of the grade of insurance on it. It's only liability.

Liability only makes sense. But Dave, if you had theft insurance on that car, I'm sure you would have been required to surrender the title to them in order to get paid.

[ADDirishboy]

Liability only makes sense. But Dave, if you had theft insurance on that car, I'm sure you would have been required to surrender the title to them in order to get paid.

How would he have theft (comprehensive) if he only had liability with his insurance company?

[Dattebayo]

lol you guys.

I'm just happy the police are looking for it right now. Or at least are checking it out somehow.

[Bubba1]

Liability only makes sense. But Dave, if you had theft insurance on that car, I'm sure you would have been required to surrender the title to them in order to get paid.

How would he have theft (comprehensive) if he only had liability with his insurance company?

That's the point. We did not learn until just now that he only had liability insurance on it.
I initially assumed he did. My point was if he did have it, he'd very likely need a title to surrender to get paid. Since he can't make a claim based on his policy, the point is moot.

I hope he finds it.

[Dattebayo]

Shame is damn right. This neighborhood doesn't get any of that sort of thing. I'm wondering if the construction crew guys who worked on the next door basement were eyeing it. They saw me work on it every day.

I've already asked my neighbor to look in on it.

[Encryptshun]

Shame is damn right. This neighborhood doesn't get any of that sort of thing. I'm wondering if the construction crew guys who worked on the next door basement were eyeing it. They saw me work on it every day.

I've already asked my neighbor to look in on it.

If I were going to steal a car, it certainly wouldn't be one I thought had to be worked on every day.

[Dattebayo]

If I were going to steal a car, it certainly wouldn't be one I thought had to be worked on every day.

Then again, you aren't Mexican. The police also threw out the possibility that Pepco might have towed it away because of the storm damage repairs... Said they would check the lot for that.

[Encryptshun]

How do you know I'm not Messican? Was that you outside my window?

I swear the bubble wrap and I are just friends!

[MellowZ32]

It's always the messicans!

das racist!

[PoorManQ45]

They don't like my credit rating.

This just pisses me off. A credit rating is no indicator of accident risk!

[AppleBonker]

We'll go ahead and add that to the list of things that piss PMQ off...

[Dattebayo]

I'm gonna go pay some bills fellas. I'll post later with any news.

[NissanXEPIlot]

Dude, That really sucks, Thats a good lookin Sentra. Hopefully you get it back, but it really sounds like your gonna have more hassles before you do. The thing you have going for you is holding that bill of sale, please tell me you have another document that lists the VIN, like maybe the tag receipt from the previous owner.

Good luck with this, ya gonna need it.

[CSLAVE]

Hey where about in the DC area did it get stolen from?

I work for COMCAST in Frederick and Montgomery counties. Ill keep an eye open.

[HashiriyaS14]

This is really crappy.

We need to hang out anyway, I'll come buy you some beers. I've never had a car stolen, let alone with no insurance reimbursement. Awful.

[krash]

No luck yesterday....... We should check Langley Park.

[_b.jaye_]

They don't like my credit rating.

This just pisses me off. A credit rating is no indicator of accident risk!

insurance fraud?

[Dattebayo]

NO news.

And good lord, whomever thinks they need to be so cool as to post up the typical recovery percentage, please quit it.
I really love it when people try to kick you when you're down.

[BusyBadger]

This just pisses me off. A credit rating is no indicator of accident risk!

It's a real shock to hear you complaining about the unfairness in the world.

Insurance is based on risk, and research has shown that individuals who tend to not pay their bills on time -- and then get low credit scores -- file more claims, and that those claims are more expensive.*

Think of it as financial profiling.

*Read the full article here

[Jesda]

NO news.

And good lord, whomever thinks they need to be so cool as to post up the typical recovery percentage, please quit it.
I really love it when people try to kick you when you're down.

It is you, after all. You can handle it.


The car will reappear. I dont think the market for B13 parts is as big as the Accord or Civic.

[Dattebayo]

It's a rusty pile. The thing wasn't anywhere near being ready for inspection yet...

I had at least another 20 man-hours to put into it's repair still.

[infinitgkid]

I think what he is trying to get at is that your credit rating is a reflection of your financial situation.

And if you have a bad credit rating, then you have a bad financial situation. And, since insurance companies are known to compensate their customers for damages and unfortunate situations; people can/have/still attempt to take advantage of this.

An example of properly taking advantage of your insurance:

I come home from work and park my car in the shade of a tree. Later that night, Hurricane Katrina Ver. 2 comes through and blows the tree right onto my car and obliterates my car. I call my insurance company, do whatever is necessary for the claim, a few days later; money in my hand. This money will help me recover from the incident.

An example of insurance fraud:

I come home from work and park my car in the shade of a tree knowing a serious storm is coming through. Before the storm comes through, I get a chainsaw and cut down the tree so that it falls on my car and obliterates it. Storm passes through. Call insurance company, make up excuse, somehow the agent is convince this sloppy plan is legit; money in my hand. This money will go towards my bills, or that new E92 M3 ( ).

You see what I'm saying?

Edit:

Insurance is based on risk, and research has shown that individuals who tend to not pay their bills on time -- and then get low credit scores -- file more claims, and that those claims are more expensive.*

Think of it as financial profiling.

*Read the full article here

Oh, and this too.

[Dattebayo]

I didn't ask for the anal probe. Thanks for helping tho?

[Encryptshun]

Anal Probes: Just another one of the many services we offer here at NICO.

[Dattebayo]

Goddamn it, PMQ. Take this crap out of my thread NOW.

[tiger-SE-R]

very sorry to hear Dave.


I hope you catch the prick that took it. I'm sure its been mentioned, but have you checked the pawn shops for the tools?

[Bubba1]

PMQ: read this DIFP link, it should answer some your questions.

http://insurance.mo.gov/consumer/faq/creditScoring.htm

Insurers all legally permitted to examine one's credit history. Not all do it, not all use it the same way. But typically, they use it mostly as an indicator of an individual's likelihood of filing a claim, but that is obviously not the only criteria they use to establish a quote.

If its that important for you to have supporting detail as to why they are permitted to use that data, which takes this thread off on a tangent, I suggest you get off your lazy butt and research it.

[Encryptshun]

Guys, jacking someone's thread for your own unrelated sidebar conversation is one thing. But ignorning the OPs request that you STOP is something other.

Seriously, unless you have any useful information for Dave that may result in him getting his car back or getting out of his current situation, go get your own thread.