Some People Stole My Wheels!!
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Joined: Aug 1999
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From: willow grove, pa, usa
insurance companies
Hurricane,
Depending upon which state you are from may be a determining factor in which type of insurance coverage you have. In Pa. you have to have full coverage for any new vehicle that you purchase and are making payments on. I consider having insurance an evil necessity. The truck has been hit three times (none with me or the missus driving) and yet the insurance companies raise MY rates. Why, because all the times the truck was hit was within a three year period and because my company had to go after the other persons ins. company to get the money to pay for the repairs. It's a big racket and I don't care for it too much, but I don't believe in cheating the companies and I have always told the insurance companies about my problems straight up. I get rewarded by getting a notice saying that our rates are going up due to too may occurences during a given time period.
INSURANCE COMPANIES SUCK!!!!!!!!!!!
Steve
Depending upon which state you are from may be a determining factor in which type of insurance coverage you have. In Pa. you have to have full coverage for any new vehicle that you purchase and are making payments on. I consider having insurance an evil necessity. The truck has been hit three times (none with me or the missus driving) and yet the insurance companies raise MY rates. Why, because all the times the truck was hit was within a three year period and because my company had to go after the other persons ins. company to get the money to pay for the repairs. It's a big racket and I don't care for it too much, but I don't believe in cheating the companies and I have always told the insurance companies about my problems straight up. I get rewarded by getting a notice saying that our rates are going up due to too may occurences during a given time period.
INSURANCE COMPANIES SUCK!!!!!!!!!!!
Steve
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Joined: Aug 2001
Posts: 1,609
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From: Summerville, SC Near Historic Charleston
Hey guys,
Think on this angle a while.
We are required to have full coverage insurance to protect the interest of the lien holders that lend us the money to buy our toys. We have to pay the full amount of the premiums to protect the lien holder. We have to file the claim and go through all the paper work, worry, depression and a host of other emotions because the lien holder has no interest, the insurance company protects them and we foot the bill, go figure. I’d say get the insurance company to put the vehicle in exactly the same condition it was in prior to the incident. After all, you were perfectly content with it prior to the theft, right? I’d hope your insurance costs per year are much less than what it’s going to cost to fix all the damage.
Either way we look at it, it's just how much risk are we willing to assume on our own. With insurance, you know, for the most part how much it's going to cost before anything happens. Without insurance, you take on the liability of the entire vehicle plus whatever damage your vehicle could inflict on someone else’s vehicle and you have no idea how much it might cost you, not to mention personal liability and bodily injury! The expenses could go into the millions easily.
Without insurance, you could be strapped for a lifetime of indebtedness due to a single accident that caused someone to loose his or her life or damage to property. Which way sounds better? It seems fairly clear to me, I'm for having insurance 'cause it's the lesser of two evils. IMO, it's just plain wrong to cheat the insurance company as that makes you no better than the thief or thieves that took your wheels.
I think a bigger problem is with our criminal justice system. If a criminal or potential criminal were faced with stiffer penalties for robbery and thievery then they would think twice or maybe three times before they would rip someone off. IMO, one of the reasons a criminal steals from nice vehicles is they know insurance will pay and the individual will not suffer too badly. The way the criminals probably see it, they are stealing from the insurance company but they probably forgot you were paying the premiums. Oh well, I’ll never understand a thief as I guess it takes one to know one.
Another thing, the insurance companies should file grievances with criminals as they too suffer from crime and individuals should also seek retribution from criminals. All in all, if everyone who lost something filed grievances against criminals then they would get a triple whammy. That would be from the victim, the insurance company, the legal system, so then those damn wheels would cost them thousands each.
I guess I’m dreaming ‘cause it’s just not practical to expect all that to happen.
Sorry to hear about the wheel theft and all the troubles I'm sure it caused you. I hate thieves and just can't understand their reasoning. California sure seems like it's full of bad places to find yourself these days.
DaveMan
Think on this angle a while.
We are required to have full coverage insurance to protect the interest of the lien holders that lend us the money to buy our toys. We have to pay the full amount of the premiums to protect the lien holder. We have to file the claim and go through all the paper work, worry, depression and a host of other emotions because the lien holder has no interest, the insurance company protects them and we foot the bill, go figure. I’d say get the insurance company to put the vehicle in exactly the same condition it was in prior to the incident. After all, you were perfectly content with it prior to the theft, right? I’d hope your insurance costs per year are much less than what it’s going to cost to fix all the damage.
Either way we look at it, it's just how much risk are we willing to assume on our own. With insurance, you know, for the most part how much it's going to cost before anything happens. Without insurance, you take on the liability of the entire vehicle plus whatever damage your vehicle could inflict on someone else’s vehicle and you have no idea how much it might cost you, not to mention personal liability and bodily injury! The expenses could go into the millions easily.
Without insurance, you could be strapped for a lifetime of indebtedness due to a single accident that caused someone to loose his or her life or damage to property. Which way sounds better? It seems fairly clear to me, I'm for having insurance 'cause it's the lesser of two evils. IMO, it's just plain wrong to cheat the insurance company as that makes you no better than the thief or thieves that took your wheels.
I think a bigger problem is with our criminal justice system. If a criminal or potential criminal were faced with stiffer penalties for robbery and thievery then they would think twice or maybe three times before they would rip someone off. IMO, one of the reasons a criminal steals from nice vehicles is they know insurance will pay and the individual will not suffer too badly. The way the criminals probably see it, they are stealing from the insurance company but they probably forgot you were paying the premiums. Oh well, I’ll never understand a thief as I guess it takes one to know one.
Another thing, the insurance companies should file grievances with criminals as they too suffer from crime and individuals should also seek retribution from criminals. All in all, if everyone who lost something filed grievances against criminals then they would get a triple whammy. That would be from the victim, the insurance company, the legal system, so then those damn wheels would cost them thousands each.
I guess I’m dreaming ‘cause it’s just not practical to expect all that to happen.
Sorry to hear about the wheel theft and all the troubles I'm sure it caused you. I hate thieves and just can't understand their reasoning. California sure seems like it's full of bad places to find yourself these days.
DaveMan
Last edited by DAVEMAN; Oct 3, 2001 at 01:10 AM.
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Joined: Apr 2001
Posts: 196
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From: Stuart, Fl
Blackbolt,
The loan company forces the full coverage because they own the vehicle – not you. They want to protect their asset. The government only requires liability insurance - or a waiver as described above – proving that you can pay if found liable. Your rates went up because you live in a part of town where the risks are relatively higher. Moving to a better part of town, or better part of the country for that matter, could reduce your rates. Hope that clears it up.
The loan company forces the full coverage because they own the vehicle – not you. They want to protect their asset. The government only requires liability insurance - or a waiver as described above – proving that you can pay if found liable. Your rates went up because you live in a part of town where the risks are relatively higher. Moving to a better part of town, or better part of the country for that matter, could reduce your rates. Hope that clears it up.
Thread Starter
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Senior Member
Joined: Aug 2000
Posts: 125
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From: Austin, TX
Well put DAVEMAN. Well I think im going to get my new wheels chromed. I might as well get something good out of this. I just hope it doesn't take forever to get them and im still trying to find some spare tires to put on my truck untell I get them. I dont think the criminals know how much of a pain in the *** it is to get wheels and tires for these trucks. Besides takeing them off of other lightnings which is said that they have to go to that level just for some money. I hope they pay in some way big time.
PS: I will post some pics of my truck soon so you can see what I saw. They might makey you feel alittle sick though.
PS: I will post some pics of my truck soon so you can see what I saw. They might makey you feel alittle sick though.
Last edited by Big Red; Oct 3, 2001 at 12:52 AM.
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Joined: Jan 2000
Posts: 2,328
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From: Houston, Tx, USA
Gemene Crackers, Batman! four pages over a lousy set of tires. Go get some new ones, the rims were probably covered with brake dust anyway. Please forget everything I said and remeber boys and girls,
Always obey the law, never speed, never race, never spin your tires, and never never cheat the poor old insurance companies and of course never cheat on your taxes, obey mom and dad and drink all your milk and eat those vegetables.
noelvm
Always obey the law, never speed, never race, never spin your tires, and never never cheat the poor old insurance companies and of course never cheat on your taxes, obey mom and dad and drink all your milk and eat those vegetables.
noelvm
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Joined: Aug 2001
Posts: 1,609
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From: Summerville, SC Near Historic Charleston
Hey noelvm,
I should probably keep my mouth shut but I can't help myself. I think there are four pages 'cause there are a lot of folks that just hate a thief. Another thing, I used to be kinda bad but straitened out my act. I used to drag race, yes in the street, I used to drink a lot, yes while driving. I used to try to take advantage of insurance companies, yes more than once probably. I used to do a lot of thing that were not, well, considered to be of the highest honor.
But, then I became an Engineer and that type of behavior was just not an option anymore. To maintain any kind of respect, you have to be honest first and foremost, second you have to have integrity and be trustworthy, you must be dependable and must not abuse privaliges. These are just some of the traits of what is known as a true quality professional. Can you put your name behind all those noble traits?
Just because people say don't cheat the IRS, or say don't cheat the insurance companies, or don't say shoot first and ask questions later are all just a bunch of candy a$$es. I think they are individuals who have to own up to their behavior and proudly carry themselves knowing their character is second to none. He//, anyone can cheat, how many can say they go the extra mile and follow the rules, play fair and say this thing I'm doing here is just not right or how would I like for someone to do me this way.
I guess I'm trying to say that honesty, dependability, trustworthyness, hard working, integrity, law abiding American citizens are hard traits to add to your character and your image and are not easily obtained nor kept. Just take a look at how fast a politician can loose all credibility from just one or two rolls in the hay, and then lie like he// about it but then get caught.
You just might want to consider enhancing your character, would probably do you some good and you would probably gain at least one more friend maybe two.
DaveMan
I should probably keep my mouth shut but I can't help myself. I think there are four pages 'cause there are a lot of folks that just hate a thief. Another thing, I used to be kinda bad but straitened out my act. I used to drag race, yes in the street, I used to drink a lot, yes while driving. I used to try to take advantage of insurance companies, yes more than once probably. I used to do a lot of thing that were not, well, considered to be of the highest honor.
But, then I became an Engineer and that type of behavior was just not an option anymore. To maintain any kind of respect, you have to be honest first and foremost, second you have to have integrity and be trustworthy, you must be dependable and must not abuse privaliges. These are just some of the traits of what is known as a true quality professional. Can you put your name behind all those noble traits?
Just because people say don't cheat the IRS, or say don't cheat the insurance companies, or don't say shoot first and ask questions later are all just a bunch of candy a$$es. I think they are individuals who have to own up to their behavior and proudly carry themselves knowing their character is second to none. He//, anyone can cheat, how many can say they go the extra mile and follow the rules, play fair and say this thing I'm doing here is just not right or how would I like for someone to do me this way.
I guess I'm trying to say that honesty, dependability, trustworthyness, hard working, integrity, law abiding American citizens are hard traits to add to your character and your image and are not easily obtained nor kept. Just take a look at how fast a politician can loose all credibility from just one or two rolls in the hay, and then lie like he// about it but then get caught.
You just might want to consider enhancing your character, would probably do you some good and you would probably gain at least one more friend maybe two.
DaveMan
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Joined: Jul 2001
Posts: 681
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From: Motor City Suburbs
Well said Daveman, you did a better job than I did at expressing it. It's about the integrity to do what's right even if nobody is watching....even if you wouldn't get caught doing what's wrong.
What makes a person who fills out a phony claim to get a replacement wheel that wasn't stolen any different from a person who crawls under a truck and steals my spare? some of you will answer that stealing from some big faceless insurance company is somehow different, but you will never convince me that it is.
If you are the type who, without even having to think about it, gives the clerk at 7-11 a dollar back if they by mistake give you one too many, then you already know what I mean. If you have to think about it but do give it back....you are on the right track and it will soon be habit. If you walk away with the buck and then high-five all your beer-buddies about it all afternoon....well, maybe you and noelvm can hang out together.
What makes a person who fills out a phony claim to get a replacement wheel that wasn't stolen any different from a person who crawls under a truck and steals my spare? some of you will answer that stealing from some big faceless insurance company is somehow different, but you will never convince me that it is.
If you are the type who, without even having to think about it, gives the clerk at 7-11 a dollar back if they by mistake give you one too many, then you already know what I mean. If you have to think about it but do give it back....you are on the right track and it will soon be habit. If you walk away with the buck and then high-five all your beer-buddies about it all afternoon....well, maybe you and noelvm can hang out together.
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Joined: Jul 2000
Posts: 137
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From: Florissant MO, US
BigRed,
Do what ya gotta do...
TampaSVT,
That pic really brings things to light.
Logical
By the way, if I wanted to learn morals I'd watch sesame street. If I want to read about lightnings I'll come to f150 online. So go save a tree or something...
Do what ya gotta do...
TampaSVT,
That pic really brings things to light.
Logical
By the way, if I wanted to learn morals I'd watch sesame street. If I want to read about lightnings I'll come to f150 online. So go save a tree or something...
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Joined: Jul 2001
Posts: 681
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From: Motor City Suburbs
1998-
This is getting more stupid by the minute so I will just toss out one last post and promise to never open this thread again.
Thanks for the advice. Not being a thief does not make me a tree-hugger. Nothing could be further from reality. You, like others seem to incorrectly associate having integrity with being soft or having some other undesireable attribute.
You will have to explain to me how this topic has anything to do with learning about Lightnings in particular.
I suspect you are a lot fewer years beyond the sesame street phase than I am so I will have to bow to your knowledge of what they teach. I personally don't know what they deal with there.
The insurance company has an obligation to make him whole again, no more and certainly no less. If he has trouble getting full payment for what was actually stolen/damaged, then I would be the first to attack the insurance company. But this idea that he should pad his claim to screw the company is disgraceful.
This is getting more stupid by the minute so I will just toss out one last post and promise to never open this thread again.
Thanks for the advice. Not being a thief does not make me a tree-hugger. Nothing could be further from reality. You, like others seem to incorrectly associate having integrity with being soft or having some other undesireable attribute.
You will have to explain to me how this topic has anything to do with learning about Lightnings in particular.
I suspect you are a lot fewer years beyond the sesame street phase than I am so I will have to bow to your knowledge of what they teach. I personally don't know what they deal with there.
The insurance company has an obligation to make him whole again, no more and certainly no less. If he has trouble getting full payment for what was actually stolen/damaged, then I would be the first to attack the insurance company. But this idea that he should pad his claim to screw the company is disgraceful.
Last edited by logical; Oct 3, 2001 at 10:16 AM.
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Joined: Apr 2001
Posts: 393
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From: U.S.A.
I just have to ad something. Wouldn't it be interesting if; when a criminal is found guilty of a crime (say theft) he/she should have to reimberse the insurance company for the funds.
Think about it. A person steals 4 wheels/tires and damages a vehicle. $2000 just for easy numbers. The insurance company repairs/replaces the damaged vehicle. When the criminal is found guilty, along with the sentence, they also have to reimberse the money to the insurance company for the repairs.
This may sound simple. But it's not. Not for the criminal at least. They will have a judgement against them. They will not be allowed to get a loan until the judgement is paid. No house, no car, not a single luxury.
thoughts
Think about it. A person steals 4 wheels/tires and damages a vehicle. $2000 just for easy numbers. The insurance company repairs/replaces the damaged vehicle. When the criminal is found guilty, along with the sentence, they also have to reimberse the money to the insurance company for the repairs.
This may sound simple. But it's not. Not for the criminal at least. They will have a judgement against them. They will not be allowed to get a loan until the judgement is paid. No house, no car, not a single luxury.
thoughts