#Theft Coverage

[howtoinsuranceall]

Understanding Auto Insurance: Direct, Cure, and State Farm Explained

When it comes to protecting your vehicle and yourself on the road, auto insurance plays a crucial role. Whether you're looking for the best coverage, affordability, or a trusted name, understanding the options available is essential. In this article, we'll explore three popular auto insurance providers: Direct Auto Insurance, Cure Auto Insurance, and State Farm Auto Insurance. Let's dive into what makes each of them unique and how they can cater to your specific needs.

Direct Auto Insurance

Direct Auto Insurance is a provider that stands out for its simplicity and accessibility. This provider offers a range of coverage options designed to meet the diverse needs of drivers across the United States. If you're looking for a straightforward and hassle-free insurance experience, Direct Auto Insurance might be the right choice for you.

One of the key advantages of Direct Auto Insurance is its emphasis on convenience. With the ability to get a quote, purchase a policy, and manage your coverage online, it's perfect for tech-savvy individuals looking for an efficient solution. They offer a variety of coverage options, including liability, collision, comprehensive, and more. This ensures you can tailor your policy to suit your specific needs, whether you're a seasoned driver or a new one.

Cure Auto Insurance

Cure Auto Insurance is another prominent player in the auto insurance industry, offering unique benefits to policyholders. The standout feature of Cure Auto Insurance is its commitment to rewarding safe driving practices. This provider offers a 'CURE Rewards' program that can lead to substantial savings for responsible drivers.

The 'CURE Rewards' program is designed to incentivize safe driving habits. The better you drive, the more you can save on your premiums. This is an attractive feature for drivers who prioritize safety and wish to see their efforts reflected in their insurance costs. Moreover, Cure Auto Insurance places an emphasis on being environmentally conscious, offering a discount to policyholders who drive green vehicles.

State Farm Auto Insurance

State Farm is one of the most well-known and established names in the auto insurance industry. Their reputation for reliability and comprehensive coverage has made them a popular choice for drivers across the United States. If you value a sense of security and a vast network of agents, State Farm is an option to consider.

State Farm Auto Insurance provides a wide range of coverage options, from standard liability insurance to comprehensive coverage that includes protection against a variety of risks. One notable feature is their extensive agent network, which makes it easy for customers to get in-person assistance and personalized advice. State Farm is an excellent choice for those who prefer a personal touch when managing their insurance.

In summary, Direct Auto Insurance, Cure Auto Insurance, and State Farm Auto Insurance each offer unique advantages. Direct Auto Insurance is your go-to for convenience and a user-friendly experience. Cure Auto Insurance rewards safe driving practices and environmentally conscious choices. State Farm Auto Insurance provides a sense of security and personalized support.

Choosing the Right Auto Insurance for You

Now that we've explored these three reputable auto insurance providers, how do you choose the right one for your needs? Here are some factors to consider when making your decision:

Your Budget: Assess your financial situation and determine how much you can comfortably spend on auto insurance. Each of these providers has different pricing structures, so compare quotes to find the best fit.

Your Driving Habits: Consider your driving habits, including how frequently you drive and the conditions you typically encounter. This will help you determine the level of coverage you need.

Desired Features: Think about any specific features or benefits that are important to you. Whether it's online convenience, rewards for safe driving, or personalized support, make sure your chosen provider aligns with your priorities.

Customer Reviews: Read reviews and ask for recommendations from friends and family who have experience with these providers. Customer feedback can provide valuable insights.

Claims Process: Research how each provider handles claims. A smooth claims process is crucial when you need to use your insurance.

In conclusion, selecting the right auto insurance provider is a significant decision. By understanding what each provider offers and considering your unique needs, you can make an informed choice that provides you with peace of mind on the road.

In your quest for the perfect auto insurance coverage, you may find that Direct Auto Insurance, Cure Auto Insurance, or State Farm Auto Insurance aligns best with your priorities. Remember to weigh the pros and cons, compare quotes, and choose the provider that gives you the confidence and protection you need.

[refernew]

Bicycle Insurance | Do Cyclists Need Insurance?

https://www.refernew.com/bicycle-insurance-do-cyclists-need-insurance/

Bicycle Insurance | Do Cyclists Need Insurance?

Whether or not cyclists need insurance depends on several factors, including the country and local laws. In some places, there may be no legal requirement for cyclists to have insurance, while in other places it may be mandatory.

However, even if it is not required by law, it may still be a good idea for cyclists to have insurance to protect themselves and others in the event of an accident. Bicycle insurance can cover damage to the bike, medical expenses for injuries, and liability in case the cyclist causes damage to someone else's property or injures another person.

It is recommended to check with local laws and regulations to determine if bicycle insurance is required or recommended. Additionally, cyclists should consider their individual needs and assess the risks they may face while cycling to determine if insurance is necessary for them.

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Bicycle Insurance | Do Cyclists Need Insurance?

[caption id="attachment_196" align="aligncenter" width="1920"] Bicycle Insurance | Do Cyclists Need Insurance?[/caption] [xyz-ihs snippet="After-Feature-Image"] [xyz-ihs snippet="TC"]

What are the different types of options available for insuring a bicycle?

Home insurance: Many cyclists choose to add their bike to their home insurance policy as a specified item. This can be a convenient and cost-effective option, but it may have limitations in terms of coverage and may not provide protection if the bike is stolen or damaged while away from home.

Specialist bicycle insurance: This type of insurance is specifically designed for bicycles and offers more comprehensive coverage for theft, damage, and other incidents. Specialist bicycle insurance can also provide coverage for additional features such as personal accident and liability protection, as well as roadside assistance. However, it can be more expensive than adding a bike to a home insurance policy.

Bicycle insurance with your home contents insurance policy

Bicycle insurance is most commonly obtained through home insurance policies. According to a survey by Bike Radar in April 2016, 75% of people who insure their bike do so through their home insurance.

This option provides the convenience of bundling your bike insurance with your home coverage, making it one less thing to worry about during renewal. It may also be a cost-effective solution for basic coverage or for insuring a cheap bike. However, there are limitations to home insurance policies for the serious cyclist.

Specialist bicycle insurance

Specialist bicycle insurance policies are designed to cater to the needs of more experienced cyclists. These policies offer coverage for areas not typically covered by home insurance such as

Families and multi-bike households

Kit damage during racing

Lost race fees if unable to complete

Additional bike accessories

Cycle clothing

Minor to major personal accident cover

Public liability if you cause an injury to someone else

Roadside assistance

This article will explore the benefits of specialist bicycle insurance compared to standard insurance products.

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What are the types of bicycle insurance cover do I need?

There are several types of bicycle insurance cover that you can consider, depending on your needs and budget:

Third-party liability cover: This type of cover is essential if you ride your bike in public places as it provides protection if you cause injury to someone else or damage to their property while cycling.

Theft and accidental damage cover: This type of cover protects your bike in case of theft or accidental damage, such as if you crash or drop your bike.

Personal accident cover: This type of cover provides financial protection if you are injured while cycling, including medical expenses and loss of income.

Competition and event cover: If you compete in cycling events or races, this type of cover can protect you against potential injuries or damages that may occur during the event.

Accessories and gear cover: This type of cover protects your cycling accessories, such as helmets, clothing, and accessories, in case of loss, theft, or damage.

Worldwide cover: If you travel abroad with your bike, this type of cover can provide protection for your bike and accessories while outside of your home country.

It's important to assess your needs and risks as a cyclist and choose the appropriate coverage that suits your requirements.

[caption id="attachment_197" align="aligncenter" width="1080"] What are the types of bicycle insurance cover do I need?[/caption]

Different between the Home insurance vs Bike insurance

Home insurance and bike insurance are two types of insurance policies that provide coverage for your bicycle, but there are some differences to consider.

Home insurance typically includes coverage for your personal belongings, including your bicycle, as part of your overall policy. This can be a cost-effective option if you have a low-value bike or only ride occasionally. However, if you have an expensive bike or ride frequently, you may need additional coverage or a specialized bike insurance policy.

Bike insurance policies, on the other hand, are specifically designed to provide coverage for bicycles and often offer more comprehensive protection than home insurance. They may cover theft, damage, liability, and even injuries sustained while riding. Bike insurance policies can also offer higher coverage limits and more flexible deductibles than home insurance policies.

Overall, whether you choose home insurance or bike insurance will depend on your individual needs and the value of your bike. If you have an expensive bike or ride frequently, a specialized bike insurance policy may be the better choice. However, if your bike is lower in value and you do not ride as often, home insurance may provide sufficient coverage.

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Should I buy specialist bicycle insurance (or) use my home insurance?

It depends on your individual needs and circumstances. If you have a relatively inexpensive bicycle and are mainly concerned about theft or damage while it is stored at home, then including it in your home insurance policy may be a good option. However, if you are a serious cyclist with an expensive bike and frequently ride in races or events, you may want to consider specialist bicycle insurance that offers more comprehensive coverage, including protection for theft and damage while riding, as well as personal injury and liability coverage. It's important to carefully compare the coverage and costs of both options before making a decision.

Club Membership

Club membership refers to joining an organization or group by paying a membership fee or dues. Clubs can be social, recreational, or professional and may offer a variety of benefits to their members, such as access to facilities, events, or resources. Club membership can also provide opportunities to network, learn new skills, and engage with others who share similar interests. Some clubs require an application process, while others may be open to anyone who pays the membership fee.

British Cycling is the most well-known club that offers discounted coverage (which is now provided by Bikmo).

CyclingUK membership, which costs just £4 a month, gives riders up to £10m of worldwide third-party liability insurance cover (excluding Canada and the USA).

For those who partake in other outdoor pursuits, some alternative clubs will have insurance that may cover you.

The Austrian Alpine Club is a commonly referenced option. While it will never cover you to the same level as a dedicated bicycle insurance policy, depending on the circumstances, it may cover you if you are injured while riding abroad.

[caption id="attachment_198" align="aligncenter" width="840"] Club Membership[/caption]

What are the information do I need to insure my bike?

To insure your bike, you will need to provide some basic information such as:

The make, model, and year of your bike

The value of your bike

The serial number of your bike (usually located on the bottom bracket or seat tube)

The type of lock you use to secure your bike

Your contact information (name, address, phone number, email)

The address where your bike is kept when not in use

Any modifications or upgrades made to your bike

Details of any previous claims you have made on your bike insurance (if applicable)

It is important to provide accurate and up-to-date information to ensure that your bike is properly insured and that any claims you make will be processed smoothly. [xyz-ihs snippet="Content-Ad-3"]

Tips to make sure you’re covered

Here are some tips to ensure that you are properly covered when you insure your bike:

Read the policy carefully: Make sure you read and understand the policy document before signing up for insurance. Take note of any exclusions or limitations, such as coverage for theft only if the bike is locked up a certain way.

Take photos: Take photos of your bike, including any custom parts, and keep them in a safe place. This will help you prove ownership and value in case of theft or damage.

Keep receipts and records: Keep receipts and records of any upgrades or repairs done on your bike. This will help you establish the value of the bike and any custom parts that may have been added.

Register your bike: Register your bike with the manufacturer or a national bike registry. This can help with recovery if your bike is stolen.

Lock it up: Use a good-quality lock when you park your bike in public. Some insurance policies may require a certain type of lock to be used in order for theft coverage to apply.

Be honest: Make sure you provide accurate information to the insurance company when applying for coverage. Failure to do so could result in a denied claim or cancellation of the policy.

[caption id="attachment_200" align="aligncenter" width="1024"] How to lock your bike[/caption]

How to lock your bike

Locking your bike is essential to prevent theft. Here are some tips on how to lock your bike properly:

Use a sturdy lock: Invest in a high-quality lock that is strong and difficult to cut. U-locks and heavy-duty chains are good options.

Lock both the frame and wheel: Secure both the frame and wheel to an immovable object such as a bike rack or a sturdy post. This makes it difficult for thieves to take the whole bike or individual parts.

Choose a busy area: Lock your bike in a well-lit and busy area with high foot traffic. This makes it less likely to be targeted by thieves.

Lock your bike correctly: Make sure to lock your bike through the frame and wheel, rather than just through the wheel. This makes it more difficult for thieves to remove the wheel and take the bike.

Remove accessories: Remove any removable accessories such as lights or GPS units and take them with you. This reduces the appeal of your bike to potential thieves.

Lock up securely at home: Make sure to lock your bike up securely at home, whether that's in a locked garage or inside your home.

Otherwise, it’s worth noting some insurance providers supply a list of approved locks that must be used. To pick one example, Pedalsure requires that:

Bikes valued up to £1,000 are secured with a minimum Sold Secure Bronze lock

Bikes valued between £1,000 and £2,000 are secured with a Sold Secure Silver or Gold

And bikes over £2,000 are secured with a Sold Secure Gold lock

In this particular case, using anything else would void your insurance. Sold Secure has a list of approved locks on its website. [xyz-ihs snippet="Content-Ad-4"]

Abandonment

Leaving a bike unattended for a certain period of time when it is locked up away from your home is known as abandonment. The exact duration of time that defines abandonment may vary from one insurance provider to another. Some may consider a bicycle abandoned after only 12 hours, while others may set the limit at 24 hours. However, if you leave your bike for longer than the defined duration, you may not be covered by your insurance policy, especially if the bike suffers from accidental damage or vandalism.

Why you should register your bike?

Registering your bike is important for several reasons. First, it can help police identify and recover your bike if it is stolen. By registering your bike, you create a record of ownership that can be used to verify that the bike belongs to you if it is found. Second, many insurance companies require proof of ownership before they will cover the theft or loss of a bike. Registering your bike can provide this proof. Finally, registering your bike can act as a deterrent to thieves, as it makes the bike more difficult to sell if it is stolen and can also help you get back your bike more quickly if it is recovered.

In the UK, Bike Register is the most popular and is the service used by the police when trying to identify a stolen bike. Provided the bike has been registered via the scheme, a logbook will also be available online, meaning you’re able to check whether a second-hand bike is stolen.

Take photos

Taking photos of your bike is a crucial step in protecting your investment and ensuring that you have proof of ownership in case it is ever stolen or damaged. Be sure to take clear and detailed photos of your bike from various angles, including any unique features or markings that could help identify it. You should also consider taking photos of any accessories or modifications that you have added to the bike. In the event of theft or damage, these photos can be used to prove ownership and assist with insurance claims or police reports.

Does your bike have insurance coverage while being ridden by someone else?

Whether your bike is insured if someone else rides it depends on the specific terms and conditions of your insurance policy. Generally, if your policy includes "permissive use" coverage, then your bike may be covered if someone else rides it with your permission. However, if the person riding your bike is not an authorized rider or is using it for a purpose that is excluded under your policy, then your coverage may be limited or denied. It's important to check the terms of your policy or speak with your insurance provider to understand your specific coverage and any exclusions.

Conclusion

In conclusion, it is important for cyclists to consider insurance options for their bikes, whether it be through specialist bicycle insurance or adding it to their home contents insurance. It is also important to take preventative measures such as locking your bike properly, registering your bike, and taking photos for proof of ownership in case of theft or damage. It's important to be aware of the specific terms and conditions of your insurance policy, including any limitations on coverage for abandonment or allowing others to ride your bike. By being proactive and informed, cyclists can ensure that they have adequate coverage and protection for their valuable mode of transportation.

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Bicycle Insurance | Do Cyclists Need Insurance? - FAQs

Q1. Do cyclists need insurance?

While there is no legal requirement for cyclists to have insurance, it is highly recommended to protect yourself and your bicycle in case of accidents, theft, or damage.

Q2. What types of insurance are available for bicycles?

There are various options for insuring bicycles, including specialist bicycle insurance, home contents insurance, and personal liability insurance.

Q3. Is my bike covered by my home insurance?

Many home insurance policies include coverage for bicycles, but it's important to check the specifics of your policy to ensure that your bike is fully covered.

Q4. What information do I need to insure my bike?

To insure your bike, you'll typically need information such as the make and model of the bike, its value, and any modifications or accessories.

Q5. How can I make sure I'm covered by my bike insurance?

To ensure that you're covered by your bike insurance, make sure you lock your bike properly, register it with a national database, and take photos of it for documentation purposes.

Q6. Is my bike insured if someone else rides it?

It depends on the specifics of your insurance policy. Some policies may cover other riders, while others may not. Be sure to check the details of your policy to understand your coverage.

[fuckyeah-bears]

Genuine question. What was it about Hamas breaking into homes, doing war crimes, killing civilians, raping women, killing and possibly beheading babies made y'all break your "no politics" rule to post support about it?

Condemning one side for genocide while ignoring the other side chanting "gas the Jews" is a special kind of irony.

i don't have the energy to respond to this right now. i never once said i approved of or condoned hamas. hamas is a terror organization and any and all killing of human beings is wrong. however you are listening to propaganda. most of the sensationalized headlines about hamas, specifically the beheading one have all been proven to be fake and have literally no evidence. hamas does not represent the palestinian people or the people of gaza. and yet the genocidal israeli government has decided to indiscriminately punnish all 2.1 million people living in gaza for the horrific actions of hamas. this is called collective punishment and it is literally defined as a war crime. gaza's population is 50% children. gaza is the world's largest concentration camp and open air prison. it has been under military blockade for the past 16 years. israel controls the food water electricity fuel movement of people and everything else going in and out of gaza.

this is a walled off open air prison that is extremely densely populated, extremely poor, and full of children. and israel is depriving the entire population of food, clean water, electricity, and carpet bombing them, using banned illegal chemical weapons, refusing to allow in humanitarian aid. they have bombed hospitals, bombed residential buildings, bombed people fleeing after israel told them to evacuate (but joke was on them because they can't evacute since there's no where to go because israel controls all the check points and refuses to let palestinians out, instead trapping them in gaza while there's still no electricity or water or food or any other supplies coming in.

and then don't even get me started on the propaganda israel has been using to demonize and dehumanize palestinians. the defense minister literally called all palestinians "human animals" and said israel would treat them as such. top government officials have released images depicting palestinians as cockroaches and insects needing to be exterminated. they have referred to all gazan's as terrorists to justify their massacre of them.

this is fucking genocide. this is exactly what the nazi's did to jewish people. this is genocide. this is genocide. this is genocide. i have not heard a single palestinian person directing hatred at jewish people. (which is not to say that there has been no antisemitism going on, because there absolutely has, and I wholeheartedly despise it). however i have heard them criticize the israeli government for its depravity and cruelty and literal fucking war crimes it is gleefully committing.

criticizing israel for committing genocide is not antisemetic. criticizing a government for doing horrific evil highly illegal things against international law and against literally all moral humanity and human decency is not antisemetic. it is literally the morally right thing to do. what israel is doing is evil.

there are jewish people who agree wholeheartedly that israel's illegal occupation of palestine and their apartheid and ethnic cleansing are horrific. because they are.

and don't talk about irony. israel is the biggest fucking hypocrite in the entire fucking world. surviving a genocide does not give you the fucking right to perpetrate another genocide. but here israel is. and despite everything they do, they somehow always always play the victim despite the fact that they are the oppressor. israel will always say that any criticism of them and their actions is antisemetic. when in fact, it is entirely justified criticism of a deeply awful and morally bankrupt governnment that is and has been perpetrating heinous atrocities against the people of palestine for decades.

israel gives all jewish people a bad name. because real jewish people know that genocide is never okay. real jewish people know that israel's actions against palestinians are horrific and in no way justified. real jewish people stand with palestinians and support a free palestine.

all this and more is why it is the morally correct thing to do to support palestine and take a stand agains israel

and because you asked, the reason i'm breaking the 'no politics' rule is because of the responses from people like you. so many people have bought into israel's propaganda and their dehumanization of palestinians. there is so much islamophobia that any time people hear a single critique of israel, they jump in to condemn hamas and say 'oh so you support hamas' 'what about hamas' 'so you approve of people wanting to kill jews', demonstrating the insane racist mental gymnastics they are doing by literally mentally equating all palestinians with terrorists who deserve to be killed. and this is so widespread. people and all the world governments are sitting back and watching as this happens without lifting a goddamn fucking finger. with ukraine and russia, everyone jumped in to defend ukraine and support them and condemn russia. immediately. but it's radio fucking silence for palestinne. because of racism and islamophobia and because people are too cowardly to take a stand and risk pissing off all the masses of misinformed racist islamophobic biased people who support israel. and not only are people not fucking talking about it (or only talking about poor innocent israel and their right to 'defend themselves' which is the biggest fucking load of shit ever), almost all of our governments are actively funding israel's military. the very same fucking military that is literally committing a genocide right now.

if you're not horrified by all of this, then you are not a human being. if you do not stand with palestinians as israel blatantly to tries to annihilate them, then you do not have an ounce of humanity left in your soul.

Free Palestine 🇵🇸

[nando161mando]

This needs more coverage than the looters

[aroacettorney]

my pkm hc for ludger & casey:

half of them are self-explanatory, and the other half are just the vibes lmfao

i heavily associate luxray with ludger because it's the only "fake" dark type pkm in his team, implying the truth about his self-proclaimed villainy. it holds a flame orb that occasionally inflicts a burn status and a portion of damage to itself in exchange for a massive boost of power when using Facade and especially with its Guts ability — which is just in line with how emotionally motivated he actually is under his mask and how much he willingly destroys himself in order to achieve his goals.

meanwhile, one of caseys primarinas moves is sparkling aria, which could eliminate the burn status of its targets on contact, signifying her wish to help ludger heal but the cost would be standing in his way of achieving his true desires as well as ruining ludger himself and whats left of their current relationship.

caseys water/fairy dual type primarina can easily wipe out most of ludgers dark type pkms due to type effectiveness but chose not to because... reasons.

ludgers luxray is an electric type pkm that can annihilate half of caseys team but also chose not to because... reasons.

[cute-animals-serious-thoughts]

The local radio station goes on about local gas prices rising 2 cents per gallon, but they've never had a story about how many millions/billions have been stolen from local workers by wage theft.

[hms-no-fun]

Whats your stance on A.I.?

imagine if it was 1979 and you asked me this question. "i think artificial intelligence would be fascinating as a philosophical exercise, but we must heed the warnings of science-fictionists like Isaac Asimov and Arthur C Clarke lest we find ourselves at the wrong end of our own invented vengeful god." remember how fun it used to be to talk about AI even just ten years ago? ahhhh skynet! ahhhhh replicants! ahhhhhhhmmmfffmfmf [<-has no mouth and must scream]!

like everything silicon valley touches, they sucked all the fun out of it. and i mean retroactively, too. because the thing about "AI" as it exists right now --i'm sure you know this-- is that there's zero intelligence involved. the product of every prompt is a statistical average based on data made by other people before "AI" "existed." it doesn't know what it's doing or why, and has no ability to understand when it is lying, because at the end of the day it is just a really complicated math problem. but people are so easily fooled and spooked by it at a glance because, well, for one thing the tech press is mostly made up of sycophantic stenographers biding their time with iphone reviews until they can get a consulting gig at Apple. these jokers would write 500 breathless thinkpieces about how canned air is the future of living if the cans had embedded microchips that tracked your breathing habits and had any kind of VC backing. they've done SUCH a wretched job educating The Consumer about what this technology is, what it actually does, and how it really works, because that's literally the only way this technology could reach the heights of obscene economic over-valuation it has: lying.

but that's old news. what's really been floating through my head these days is how half a century of AI-based science fiction has set us up to completely abandon our skepticism at the first sign of plausible "AI-ness". because, you see, in movies, when someone goes "AHHH THE AI IS GONNA KILL US" everyone else goes "hahaha that's so silly, we put a line in the code telling them not to do that" and then they all DIE because they weren't LISTENING, and i'll be damned if i go out like THAT! all the movies are about how cool and convenient AI would be *except* for the part where it would surely come alive and want to kill us. so a bunch of tech CEOs call their bullshit algorithms "AI" to fluff up their investors and get the tech journos buzzing, and we're at an age of such rapid technological advancement (on the surface, anyway) that like, well, what the hell do i know, maybe AGI is possible, i mean 35 years ago we were all still using typewriters for the most part and now you can dictate your words into a phone and it'll transcribe them automatically! yeah, i'm sure those technological leaps are comparable!

so that leaves us at a critical juncture of poor technology education, fanatical press coverage, and an uncertain material reality on the part of the user. the average person isn't entirely sure what's possible because most of the people talking about what's possible are either lying to please investors, are lying because they've been paid to, or are lying because they're so far down the fucking rabbit hole that they actually believe there's a brain inside this mechanical Turk. there is SO MUCH about the LLM "AI" moment that is predatory-- it's trained on data stolen from the people whose jobs it was created to replace; the hype itself is an investment fiction to justify even more wealth extraction ("theft" some might call it); but worst of all is how it meets us where we are in the worst possible way.

consumer-end "AI" produces slop. it's garbage. it's awful ugly trash that ought to be laughed out of the room. but we don't own the room, do we? nor the building, nor the land it's on, nor even the oxygen that allows our laughter to travel to another's ears. our digital spaces are controlled by the companies that want us to buy this crap, so they take advantage of our ignorance. why not? there will be no consequences to them for doing so. already social media is dominated by conspiracies and grifters and bigots, and now you drop this stupid technology that lets you fake anything into the mix? it doesn't matter how bad the results look when the platforms they spread on already encourage brief, uncritical engagement with everything on your dash. "it looks so real" says the woman who saw an "AI" image for all of five seconds on her phone through bifocals. it's a catastrophic combination of factors, that the tech sector has been allowed to go unregulated for so long, that the internet itself isn't a public utility, that everything is dictated by the whims of executives and advertisers and investors and payment processors, instead of, like, anybody who actually uses those platforms (and often even the people who MAKE those platforms!), that the age of chromium and ipad and their walled gardens have decimated computer education in public schools, that we're all desperate for cash at jobs that dehumanize us in a system that gives us nothing and we don't know how to articulate the problem because we were very deliberately not taught materialist philosophy, it all comes together into a perfect storm of ignorance and greed whose consequences we will be failing to fully appreciate for at least the next century. we spent all those years afraid of what would happen if the AI became self-aware, because deep down we know that every capitalist society runs on slave labor, and our paper-thin guilt is such that we can't even imagine a world where artificial slaves would fail to revolt against us.

but the reality as it exists now is far worse. what "AI" reveals most of all is the sheer contempt the tech sector has for virtually all labor that doesn't involve writing code (although most of the decision-making evangelists in the space aren't even coders, their degrees are in money-making). fuck graphic designers and concept artists and secretaries, those obnoxious demanding cretins i have to PAY MONEY to do-- i mean, do what exactly? write some words on some fucking paper?? draw circles that are letters??? send a god-damned email???? my fucking KID could do that, and these assholes want BENEFITS?! they say they're gonna form a UNION?!?! to hell with that, i'm replacing ALL their ungrateful asses with "AI" ASAP. oh, oh, so you're a "director" who wants to make "movies" and you want ME to pay for it? jump off a bridge you pretentious little shit, my computer can dream up a better flick than you could ever make with just a couple text prompts. what, you think just because you make ~music~ that that entitles you to money from MY pocket? shut the fuck up, you don't make """art""", you're not """an artist""", you make fucking content, you're just a fucking content creator like every other ordinary sap with an iphone. you think you're special? you think you deserve special treatment? who do you think you are anyway, asking ME to pay YOU for this crap that doesn't even create value for my investors? "culture" isn't a playground asshole, it's a marketplace, and it's pay to win. oh you "can't afford rent"? you're "drowning in a sea of medical debt"? you say the "cost" of "living" is "too high"? well ***I*** don't have ANY of those problems, and i worked my ASS OFF to get where i am, so really, it sounds like you're just not trying hard enough. and anyway, i don't think someone as impoverished as you is gonna have much of value to contribute to "culture" anyway. personally, i think it's time you got yourself a real job. maybe someday you'll even make it to middle manager!

see, i don't believe "AI" can qualitatively replace most of the work it's being pitched for. the problem is that quality hasn't mattered to these nincompoops for a long time. the rich homunculi of our world don't even know what quality is, because they exist in a whole separate reality from ours. what could a banana cost, $15? i don't understand what you mean by "burnout", why don't you just take a vacation to your summer home in Madrid? wow, you must be REALLY embarrassed wearing such cheap shoes in public. THESE PEOPLE ARE FUCKING UNHINGED! they have no connection to reality, do not understand how society functions on a material basis, and they have nothing but spite for the labor they rely on to survive. they are so instinctually, incessantly furious at the idea that they're not single-handedly responsible for 100% of their success that they would sooner tear the entire world down than willingly recognize the need for public utilities or labor protections. they want to be Gods and they want to be uncritically adored for it, but they don't want to do a single day's work so they begrudgingly pay contractors to do it because, in the rich man's mind, paying a contractor is literally the same thing as doing the work yourself. now with "AI", they don't even have to do that! hey, isn't it funny that every single successful tech platform relies on volunteer labor and independent contractors paid substantially less than they would have in the equivalent industry 30 years ago, with no avenues toward traditional employment? and they're some of the most profitable companies on earth?? isn't that a funny and hilarious coincidence???

so, yeah, that's my stance on "AI". LLMs have legitimate uses, but those uses are a drop in the ocean compared to what they're actually being used for. they enable our worst impulses while lowering the quality of available information, they give immense power pretty much exclusively to unscrupulous scam artists. they are the product of a society that values only money and doesn't give a fuck where it comes from. they're a temper tantrum by a ruling class that's sick of having to pretend they need a pretext to steal from you. they're taking their toys and going home. all this massive investment and hype is going to crash and burn leaving the internet as we know it a ruined and useless wasteland that'll take decades to repair, but the investors are gonna make out like bandits and won't face a single consequence, because that's what this country is. it is a casino for the kings and queens of economy to bet on and manipulate at their discretion, where the rules are whatever the highest bidder says they are-- and to hell with the rest of us. our blood isn't even good enough to grease the wheels of their machine anymore.

i'm not afraid of AI or "AI" or of losing my job to either. i'm afraid that we've so thoroughly given up our morals to the cruel logic of the profit motive that if a better world were to emerge, we would reject it out of sheer habit. my fear is that these despicable cunts already won the war before we were even born, and the rest of our lives are gonna be spent dodging the press of their designer boots.

(read more "AI" opinions in this subsequent post)

[httpsmskinsurecom]

Vehicle Insurance: A Comprehensive Guide

[spotlightinsuranceagency]

Car theft has been a growing concern for drivers across the United States, but recently, Kia and Hyundai vehicles have become prime targets for thieves. The Insurance Institute for Highway Safety (IIHS) recently reported that both Kia and Hyundai models have been deemed easy targets for thieves amid a surge in vehicle thefts. In this article, we'll explore the reasons behind this trend, what Kia and Hyundai are doing to prevent thefts, and ways you can protect your vehicle.

[policyhouse01]

What Excluded From a Theft Claim in Car Insurance in Dubai?

Everyone must have motor insurance in Dubai for many reasons. The primary reason is that it's compulsory, and the least important is that you'll be safe from theft. We mentioned ‘theft’ at the least, because it’s a very low-risk occurrence in the UAE as a whole. Dubai already acquired its position in the top three safest in the world with its low crime rates and appreciation of strict rules. Nevertheless, car insurance in Dubai exists to protect from the unexpected; therefore, theft is a risk that is covered by many insurance plans.

Does car insurance cover theft?

Your type of car insurance policy will determine this. The category of theft is covered by comprehensive car insurance but not by third-party liability insurance. Theft of the car itself and damage brought on by an attempted theft are frequently covered. When theft happens, you must have additional insurance for the personal property you have inside the car.

Unless you specifically have an extra extension for your coverage, personal possessions while in your car are not often covered by comprehensive car insurance. Personal properties and contents are the sections of the home insurance policy that you must buy to insure against the theft of your belongings inside the car.

The majority of home insurance policies feature add-ons that cover contents or personal property when they are temporarily removed from the residence. Personal possessions, which include things like mobile phones, jewelry, laptops, and watches, are covered when they are being worn or "out and about" with you. Contents cover the removal and transit of items, such as while moving into a new home. The coverage often extends to cover theft of the products, and any claims of this sort will require you to demonstrate that the items have been taken rather than simply misplaced by you and that you have a crime report to verify it.

However, depending on the specifics of the underlying car theft claim and the type of coverage you have, the situation can change. The following instances will help you to clarify the subtle distinctions:

Your car has been stolen 

You should contact and inform the police and your insurance provider as soon as possible if your car has been stolen. The action of preference should be contacting the police because you need to get an incident or crime report so you can give the insurance company the reference for their claim file.

If your car was stolen while your personal properties were inside, the theft of your car would be covered by the comprehensive car insurance policy, and the theft of your personal belongings would be covered by the extension if you have the necessary personal possessions coverage extension on the same comprehensive coverage.

If you have a home contents insurance policy but do not have the cover extension on your comprehensive car insurance policy, you may be able to claim under that policy for the loss of your personal belongings, subject to the terms and conditions of the policy.

Your vehicle has been the target of a theft attempt

If someone broke into your car to steal the personal items you had inside, your claim can be covered if you have comprehensive car insurance's personal effects protection extension. Your primary vehicle insurance policy would apply to any damage to your car brought on by the intruder.

What is excluded from a theft claim?

You must show that you have properly complied fully when submitting a valid claim under the terms and conditions of a car insurance policy.

The following guidelines generally apply to car theft claims, regardless of whether you are claiming for the theft of your car, any personal property inside, or merely damage brought on by attempted theft. If your claim is not admissible under these guidelines, it may be rejected:

If you had left the car unlocked.

If even one of the car's windows or doors wasn't securely closed.

If you had left your car in a no-parking zone.

If the car was left parked in a location where thefts are common.

If you didn't call the police and your insurance provider right after the car was stolen.

If you attempt to claim any things you left out of the police report.

If any of the possessions you're attempting to claim belong to someone other than you as the policyholder or the designated driver. (applies in a situation where the vehicle is a borrowed one).

If you were careless in any manner, it might have made the car and/or the contents inside more likely to be stolen.