The BMW UUC Digest Volume 2 : Issue 203 : "text" Format Messages in this Issue: Re: accident: I got whacked Re: accident: I got whacked re: Z3 / M Coupe Subframe Tearing ??? source for H&R springs Re: source for H&R springs Re: source for H&R springs Re: Smog Check Re: Updating the toolbox Re: Updating the toolbox UMORON Twice in one day! Re: accident: I got whacked Re: accident: I got whacked
---------------------------------------------------------------------- Date: Sat, 22 May 2004 00:11:12 -0400 From: "Michael Lawrence" <[EMAIL PROTECTED]> To: <[EMAIL PROTECTED]> Subject: Re: accident: I got whacked Message-ID: <[EMAIL PROTECTED]> Alex, sorry but I have to very strongly disagree. Texas might be different, but I know this to hold true FOR A FACT in MS and GA, the two states I have lived in the most. I also know this to be 100% fact with Allstate, who my S.O. is an agent with. If you come in to get insurance at Allstate, if you have been in an accident in the last 5yrs, you DO NOT GET the lowest rates even if the wreck was a no fault or someone else's fault. I know this for a FACT, as it affects us where we notice, the pocket book due to loss policies written. I know for a FACT, with State Farm, Allstate and USAA that they keep data bases and you are Tagged when involved in a wreck regardless if it is your fault or if they pay out $0. In fact, if you are married and EITHER of you have been involved in ANY accident, no fault etc, you are not qualified for the lowest rates unless you have been in ZERO accidents in the last 5yrs. So in my book you do pay a price for reporting an accident even if you are not at fault. My S.O. goes thru this problem with clients on a WEEKLY basis and has been topic of discussion over diner with high level insiders in the insurance business. A good agent will tell the client this off the record and state "this call did not happen" when most call in to report a accident with someone else at fault. They are told that it would be of their best interest to deal directly with the other insurance company and only get there own involved when it becomes a problem. Allstate also hammers it in at their meetings to make sure all clients report any accident, so they don't miss any reason to charge a higher rate. Mike Wakes up next to an Allstate Agent every morning. If someone wants to test the theory and has been in a no fault wreck, she will get a quote just to show that Allstate bases the quote with the wreck in mind vs a clean driving wreck with NO wrecks. -> -----Original Message----- -> From: [EMAIL PROTECTED] -> [mailto:[EMAIL PROTECTED] On Behalf Of -> [EMAIL PROTECTED] -> Sent: Friday, May 21, 2004 6:28 PM -> To: [EMAIL PROTECTED] -> Cc: [EMAIL PROTECTED] -> Subject: Re: [UUC] accident: I got whacked -> -> -> -> -> -> -> "Michael Lawrence" <[EMAIL PROTECTED]> wrote: -> > Be careful about submitting a bill to your own insurance company. -> > Companies like Allstate, USAA etc will tag your policy and -> it will not -> > allow you to be in the lowest risk group for cheaper rates. -> -> Sorry, but that's just fear mongering. -> -> Disclaimer: insurance rules and regulations very by state; -> we have plenty of insurance adjusters on this list to -> address state specific situations. -> -> In general: -> - you are highly unlikely to be surcharged for not-at-fault -> accidents. Whether you pursue the claim through your own or -> at-fault-party's insurance company. -> - even for your-fault accidents, insurance companies (or -> states, whenever the insurance policies are state defined) -> have minimal thresholds before they bump up your rates. In -> my home state of Texas, insurance companies can not -> surcharge policy holders for at-fault accident of less then $1,000. -> - as with the speeding tickets, no reputable company will -> surcharge you for one infraction. Progressive, Geico, etc -> are obviously not on that list. -> -> The other advantage of working through your insurance -> company is to add a 1,000 # guerrilla to your corner. You -> can almost bet money on the fact that the other person who -> caused the accident will not fess up to his/her company. -> They will blame in on you. Guess where the other company's -> sympathies and self-interests lie? You will be presumed -> guilty unless proven otherwise. Once you get your insurance -> company (and the possibility of them having to pay out to -> the other party) on your side, they will argue your case. -> And if necessary go to intra-insurance arbitration to -> resolve the claim. -> -> That dispute resolution venue is NOT available to you as an -> individual. -> -> You company will also immediately cut you a check for -> repairs - deductible to minimize that exiting time in the -> crappy rental. Once they win your case, they will subrogate -> from the other insurance company and return your deductible -> once the money arrives. -> -> The only time you might be worse off is if: -> 1. You are at fault; -> -and- 2. You pay-off the other side without your company's knowledge; -> -and- 3. Your insurance company does not automatically -> update/re-price policy holders' policies with the latest -> accident reports. -> -> If _you_ are afraid of your own dis-reputable insurance -> company, why the hack are you paying them? -> -> > Take the bill and submit it to the other person's -> insurance company. -> > If you have a good relationship with your agent, maybe -> speak to them -> > but beware the risk of them reporting it. -> -> You agent will absolutely report you. But that's hardly a -> risk, assuming you are not at-fault. -> -> > Doesn't matter if it was not your fault, you were in a -> wreck and thus -> > a higher risk to them now. -> -> NOT TRUE. -> -> alex f -> -> -> -> -> Search the -> ARCHIVES:http://www.mail-archive.com/[EMAIL PROTECTED] -> -> -> _____________________________________________________________ -> _____________ -> In memory of Michel Potheau - friend, enthusiast, founder of -> the BMW CCA. -> -> UUC Motorwerks - BMW Performance Fine-tuning and home of the -> Ultimate Short Shifter - accept no substitutes! 908-874-9092 -> . http://www.uucmotorwerks.com -> ------------------------------ Date: 22 May 2004 10:23:21 -0700 From: [EMAIL PROTECTED] To: [EMAIL PROTECTED] Subject: Re: accident: I got whacked Message-ID: <[EMAIL PROTECTED]> Alex Fadeev dispelled a bunch of insurance myth with: > Sorry, but that's just fear mongering. [deletia] > - even for your-fault accidents, insurance companies (or states, whenever > the insurance policies are state defined) have minimal thresholds before > they bump up your rates. In my home state of Texas, insurance companies can > not surcharge policy holders for at-fault accident of less then $1,000. > - as with the speeding tickets, no reputable company will surcharge you for > one infraction. Progressive, Geico, etc are obviously not on that list. California has a state insurance law which mandates a good driver discount (20% on certain parts of the premium, as I recall). A good driver is defined as one point or less, among other things. You can imagine my surprise when my premium went up 37% after my company learned I scored *one* point in another state. This was listed on my statement as a "driving record surcharge". No amount of questioning of my agent's office produced a plausible explanation for my increase, nor would anyone from the company explain it, except that part of it was due to other legitimate factors. After some digging I learned that every company operating in California must file a "class plan" with the state; the class plan details how the premium is calculated; and these class plans are public information. My agent declined to show me the class plan, saying it was confidential, "like a trademark". I visited the state insurance office in San Francisco (there is another in L.A.) and found my class plan. The premium for my plan is determined by summing numerous adjustment factors, then multiplying the base premium by the sum plus one. The factor for driving safety record was like this: Points: 0 1 2 3 ... Factor: -0.05 +0.20 +1.02 +1.66 ... So in this case one point adds 25% to the premium before the state- mandated 20% good driver discount is applied. Some discount! Curt Ingraham 72 2002tii Oakland, CA ------------------------------ Date: Fri, 21 May 2004 22:43:38 -0700 (PDT) From: Mike Hsu <[EMAIL PROTECTED]> To: [EMAIL PROTECTED] Subject: re: Z3 / M Coupe Subframe Tearing ??? Message-ID: <[EMAIL PROTECTED]> --- ben keyes <[EMAIL PROTECTED]> wrote: > Mike Hsu wrote: > > > My Early build '99 M Coupe has a few > > track days and a bunch of autox's. > > actually it's a few autox's and a bunch of > track days <checks Excel matrix> make that > 15 days & 1,100 miles :-) > Another correction, <checks mental excel matrix> still a bunch of autox's. I've been autox'ing it about 1-2 times a month in SCCA and BMW CCA since getting the car. :) Even though there is a chance of the subframe breaking, what's the point in having it if you can't have fun with it... Mike __________________________________ Do you Yahoo!? Yahoo! Domains � Claim yours for only $14.70/year http://smallbusiness.promotions.yahoo.com/offer ------------------------------ Date: Sat, 22 May 2004 02:45:33 -0700 (PDT) From: Brian Ruiz <[EMAIL PROTECTED]> To: [EMAIL PROTECTED] Subject: source for H&R springs Message-ID: <[EMAIL PROTECTED]> I decided on the H&Rs sport springs, and am looking for a place to purchase. Cheapeast I found now was $239 from M3 Motorwerks, but I could have sworn (I could be wrong) I saw them somewhere a few days ago (before I had chosen these) for $224. Anyone know of a place with a good price for these? Brian 93 325 __________________________________ Do you Yahoo!? Yahoo! Domains � Claim yours for only $14.70/year http://smallbusiness.promotions.yahoo.com/offer ------------------------------ Date: Sat, 22 May 2004 09:39:56 -0400 (EDT) From: Joel Gallun <[EMAIL PROTECTED]> To: Brian Ruiz <[EMAIL PROTECTED]> Cc: <[EMAIL PROTECTED]> Subject: Re: source for H&R springs Message-ID: <[EMAIL PROTECTED]> On Sat, 22 May 2004, Brian Ruiz wrote: > I decided on the H&Rs sport springs, and am looking > for a place to purchase. Cheapeast I found now was rather than buying from the cheapest place, I'd suggest buying from a place you can develop a relationship with, one that you can count on to stand behind their recommendations, give you setup advice and knows your name when you call on the phone. joel -- who's had too many students who bought a "package" that didn't work worth a crap from someplace who wouldn't know a shock dyno from a lighted windshield washer nozzle ------------------------------ Date: Sat, 22 May 2004 08:22:08 -0400 From: "Rob Levinson" <[EMAIL PROTECTED]> To: [EMAIL PROTECTED] Subject: Re: source for H&R springs Message-ID: <[EMAIL PROTECTED]> Turner Motorsport - 978-388-7769 0 http://www.turnermotorsport.com TMS is a great place to get to know, and a few pennies saved will be forgotten in the long run when it comes to knowledge and experience. - Rob ---- Original Message ---- From: [EMAIL PROTECTED] Subject: RE: [UUC] source for H&R springs >I decided on the H&Rs sport springs, and am looking >for a place to purchase. Cheapeast I found now was >$239 from M3 Motorwerks, but I could have sworn (I >could be wrong) I saw them somewhere a few days ago >(before I had chosen these) for $224. Anyone know of >a place with a good price for these? > >Brian >93 325 > > > > >__________________________________ >Do you Yahoo!? >Yahoo! Domains Claim yours for only $14.70/year >http://smallbusiness.promotions.yahoo.com/offer >Search the >ARCHIVES:http://www.mail-archive.com/[EMAIL PROTECTED] > > >_____________________________________________________________________ >_____ >In memory of Michel Potheau - friend, enthusiast, founder of the BMW >CCA. > >UUC Motorwerks - BMW Performance Fine-tuning and home of the Ultimate >Short Shifter - accept no substitutes! >908-874-9092 . http://www.uucmotorwerks.com ------------------------------ Date: Sat, 22 May 2004 09:35:18 -0400 (EDT) From: Joel Gallun <[EMAIL PROTECTED]> To: John Bolhuis <[EMAIL PROTECTED]> Cc: <[EMAIL PROTECTED]> Subject: Re: Smog Check Message-ID: <[EMAIL PROTECTED]> On Fri, 21 May 2004, John Bolhuis wrote: > But if they want to do the rolling road dyno test on my garden tractor > semi-annually, they can bite me. you know, if they gave out dyno sheets with the emission test, all the motorheads wouldn't be able to wait for their next smog check. joel ps. my street cars are all obd2 now -- no more dyno. just plug in, pass or fail. I dont even get numbers to see how well the thing really does run. This setup really begs to be hAx0rEd. ------------------------------ Date: Sat, 22 May 2004 11:26:04 -0400 From: Thomas Philip <[EMAIL PROTECTED]> To: [EMAIL PROTECTED] Subject: Re: Updating the toolbox Message-ID: <[EMAIL PROTECTED]> On May 21, 2004, at 1:30 PM, Howard Siegel wrote: > On Fri, 21 May 2004, Neil Maller wrote: > >> E36 brake caliper bleed screws are 7mm. > > Where can one get a good quality, but not outrageously expensive > set of flare nut wrenches that go down to 7mm? I've only recently > started looking and can only find them down to 9mm. Snap-On makes a wrench specifically for this purpose. It's not cheap, but it's pretty convenient. <http://buy1.snapon.com/catalog/pro_det.asp?item_ID=12433&group_ID=1686> tom ------------------------------ Date: Sat, 22 May 2004 20:44:49 -0400 From: "Rich Dorffer" <[EMAIL PROTECTED]> To: "Thomas Philip" <[EMAIL PROTECTED]>, <[EMAIL PROTECTED]> Subject: Re: Updating the toolbox Message-ID: <[EMAIL PROTECTED]> > [mailto:[EMAIL PROTECTED] Behalf Of Thomas Philip > On May 21, 2004, at 1:30 PM, Howard Siegel wrote: > > > On Fri, 21 May 2004, Neil Maller wrote: > > > >> E36 brake caliper bleed screws are 7mm. > > > > Where can one get a good quality, but not outrageously expensive > > set of flare nut wrenches that go down to 7mm? I've only recently > > started looking and can only find them down to 9mm. > > Snap-On makes a wrench specifically for this purpose. It's not cheap, > but it's pretty convenient. > <http://buy1.snapon.com/catalog/pro_det.asp?item_ID=12433&group_ID=1686> Yep, I will second that recommendation... Regards, Rich ------------------------------ Date: Sat, 22 May 2004 14:59:44 -0700 From: Harvey Chao <[EMAIL PROTECTED]> To: [EMAIL PROTECTED] Subject: UMORON Twice in one day! Message-ID: <[EMAIL PROTECTED]> And we wonder why BMW drivers get a "bad rap" - UMORON #1 This morning - northbound in the middle lane of 3 lanes, closing on a car about 1 1/2 car lengths ahead and one lane over to our right - 740 comes ZOOoooooooming up closing rapidly on the car in front of him (aka the one ahead and to our right) given the speed at which this (female 740 driver) is closing, you ABSOLUTELY know that (she) is not gonna slow down but cut in front of us - does God make little green apples? If we hadn't have slowed in anticipation as she drew abreast . . . Didn't even signal her lane change either. UMORON #2 Just now, went to ship a package at a UPS drop off place. Nice shinny 740 (another one!) parked in the handicapped slot next to the door - no qualifying license plate or placard. Grit my teeth as I go by ( have have two youngsters who, when necessary, use wheel chairs and have limited unaided mobility - healthy people using handicapped slots "pushes one of my buttons" - be thankful you do not need such a "privilege" and can walk!) Do my business and as I am leaving, the car is still there and not only is this dofus illegally parked, but his left front tire is well down into the "cords" on the outside edge and well into the second tread band! Harvey The box said "Requires Windows 95, or better." So I bought a Macintosh. I live with fear, death, and evil...but I used to be able to turn it off and use a Mac. " Author Unknown Failure is not an option. It comes bundled with your Microsoft product. -- Ferenc Mantfeld ------------------------------ Date: Sat, 22 May 2004 20:44:42 -0400 From: "Rich Dorffer" <[EMAIL PROTECTED]> To: <[EMAIL PROTECTED]>, <[EMAIL PROTECTED]> Cc: <[EMAIL PROTECTED]>, <[EMAIL PROTECTED]> Subject: Re: accident: I got whacked Message-ID: <[EMAIL PROTECTED]> Behalf Of [EMAIL PROTECTED] > "Michael Lawrence" <[EMAIL PROTECTED]> wrote: > > Be careful about submitting a bill to your own insurance company. > > Companies like Allstate, USAA etc will tag your policy and it will > > not allow you to be in the lowest risk group for cheaper rates. > > Sorry, but that's just fear mongering. I don't think so and I agree with Mike. I have been with the same insurance agent/company for ~15 years. Over the past five years, here are my claims: 2000 - small accident, ~$800 in damage, other person cited and at fault. 2001 - small accident, ~1,200 in damage, trucker cited for unsecured load (steel channels fell off truck in front of me, multiple cars incur damage), I agree to go to court to support my insurance company's claim against the trucking company's insurance company that is failing to pay). I pay $250, insurance company pay $950. 2002 - windshield damaged and replaced by a truck retread that flips up and hits my car, ~$300, my insurance pays $50 under my comprehensive, I pay the rest. 2003 - new windshield suffers a big stone chip, insurance company recommends that I have it repaired to avoid having to replace the windshield $65 (and the crack spread anyway, I had the windshield replaced for $200 this time and avoided the insurance company). 2004 - I wreck my '89 325is and I am cited for failure to yield. No claim on my car since there was no collision coverage, my insurance company pays ~$3,500 for the other persons car. No personal injuries, etc. My agent called me the other day to inform me that Erie Insurance is dropping me for "claim frequency". So, five years, five claims, one where my insurance company pays $950 but has a claim against the trucker that was cited (and I am going to court as a witness for them), one windshield for $50, one windshield fix for $65 and one "at fault" accident for ~$3,500. Oh yeah, I have no speeding tickets or any other moving violations other than the recent "failure to yield". Nice eh? They aren't raising my rates, they cancelled me effective at the end of my policy. I guess this will be a good time to combine all my insurance with my other homeowners/rental insurance. Insurance companies suck. I have easily paid more than two times in premiums during those five years above (oh yeah, the prior ten years were basically pure profit for my insurance company). I agree with Mike, be very careful what claims you file. I would have gladly done nothing about the two windshields above and would have avoided being "cancelled". Later, Rich ------------------------------ Date: Sat, 22 May 2004 19:17:18 -0700 (PDT) From: Tammer Farid <[EMAIL PROTECTED]> To: [EMAIL PROTECTED] Subject: Re: accident: I got whacked Message-ID: <[EMAIL PROTECTED]> Similar situation here--I had two claims in two years, both for vandalism/theft while the car was parked. I did not get dropped, but I received a "friendly" letter warning that another claim in the next 12 months may yield that result. -tammer --- Rich Dorffer <[EMAIL PROTECTED]> wrote: <snip> > My agent called me the other day to inform me that Erie > Insurance is > dropping me for "claim frequency". So, five years, five > claims, one where > my insurance company pays $950 but has a claim against > the trucker that was > cited (and I am going to court as a witness for them), > one windshield for > $50, one windshield fix for $65 and one "at fault" > accident for ~$3,500. Oh > yeah, I have no speeding tickets or any other moving > violations other than > the recent "failure to yield". ><snip> > I agree with Mike, be very careful what claims you file. > I would have > gladly done nothing about the two windshields above and > would have avoided > being "cancelled". > > Later, > > Rich __________________________________ Do you Yahoo!? Yahoo! Domains � Claim yours for only $14.70/year http://smallbusiness.promotions.yahoo.com/offer ------------------------------ End of [bmwuucdigest] digest(12 messages) **********
