#ive had that in my pocket since june however
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dcwastelands · 5 years ago
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R Tizfake Testing Event - June 8, 2019
Eevelion: As the Research department at HQ opened it's doors for the testing, all volunteers would be ushered through the halls by a number of goggled researchers and through a set of security doors. On the other side of the doors our attendees would find themselves in a large room, mostly empty aside from a large blast door on the opposite end with a catwalk above, as well as a one-sided window, presumably for the researchers to watch the test. As the last of the group was corralled into the room the door would close behind them, leaving them with dead silence before the event truly started.
Dezzy: Outside of the car rides she was employed to chauffeur demons, Lessy had to say she rarely interacted with demons. Even more rare did she or Cab see them outside of the human disguises, so she was trying her best not to stare. Emphasis on "trying". Occassionally she would try to sneak glances of their horns or compare their colorful skin tones to hers. Still, she kept hands mostly to herself, putting herself on idle, rolling on the balls of her legs.
"Man, I don't think I've ever been in this department yet, let alone the others." Lessy still considered herself new to this world, however, being here did give her a positive sense of purpose.
Gigi: Necktie was PR why did he need to be dragged in for testing--his ear had been chewed off about something to the effect of 'yearly physicals', or was it 'counter-investigative journalism'? God, he couldn't remember now, it was like his brain turned to static whenever research was mentioned as of late. Still his posture was composed as ever, chest out, chin up, customer service face on.
There were, unfortunately, humans here, as he would be made painfully aware.
"New arrival, I see?" get out, get out of here.
Dezzy: "More or less. I'm used to working from my own mobile office and driving you guys around." Still swaying on her heels, she glanced up at the ceiling as it was rude to stare (though on could argue not making eye contact was equally rude)Cab would occasionally work on their aim in infranty, but Lessy didn't know that. Or she guessed, maybe she did since she was spontaneously better at darts since they joined HQ? Hmm.
Gigi: He tapped a gloved hand to his chin, staring upward. "I think ive heard of a chauffeur somewhere around in the files," He tucked that hand behind his back just as quickly, offering his other for a shake. "Welcome to Research, then! I'm not from this department, though, so...no tours."
Dezzy: It took a moment for Lessy to realize Necktie had offered his had, to which she quickly grabbed perhaps too much vigor. "Thanks!"
Taking back her own gloved hand she gave a cheesy grin and a salute." Yep that's me! Need a ride just holla at ya girl." She winked while making a 'call me' gesture with her hand. "Names Sleeveless Hoodie by the way. Though everyone just calls me Lessy."
Gigi:His return shake was firm in kind. "I'll keep that in mind," he smiled. he had his own valets, but ok. Bringing up his name might bring some unwanted gossip his way, actually, now that he thought of it--jeez, why was he forced to do this anyway?
"Pleasure to meet you, Mx.Sleeveless. People are probably going to be yelling 'Necktie' at me, so let's just get that out of the way so there's no confusion, yes?" He gesticulated his arms around, as if trying to stir some nebulous concept around. "My appearance here doesn't mean anything."
Dezzy: Lessy didn't really recall Necktie as the owner of Diamond Jail on first name alone, let alone appearance. Her curiosity did get the better of her as her eyes wandered down to his namesake. "Necktie huh? So like, your tie thingy turns into a weapon for real??"
She scratched at the side of her head, perplexed by idea of clothing becoming something other than what it was. " Like, we my dad was trying to get me into the family buisness he told me a few things about all this. I thought he was fucking with me! It just sounds so dumb... Underwear transforming into weapons."
Zaku: "Mhmm, yup. Yeah, I'm walking right in. It'll probably be for, I 'unno, two or so hours? Money's on the table if you want to order out, just...don't do anything crazy, alright? Ok...love you too."
Ending the call, the blue haired demon did a quick run back of his hair, a tick of sorts he kept for as long as he's known. Pack's interactions with the demon community was slightly sparce to say the least. He'd hope with how downlow he had been, Guillory would practically be a new name of sorts. But hey, he had been cooped up for a while, and Netti had doted on him not being a "cooped up bachelor", so here he was.
Gigi: "It's not quite underwear, though that's a common misconception--actually it felt more common back when I was younger," He let out a laugh. "But yes, it can do that--actually I think I should be,..."
He took a moment to get the eldredge knot untied with one hand, stretching the fabric taut and a split second later, it took on a bright blue glow, shifting into its two-pronged form.
"We're supposed to have our weapons ready, right?" He called up to the balcony, hoping one of the goggled cronies up top would like, give him a thumbs-up or something.
Eevelion: In response to Necktie's question came a crackle from an intercom as a familiar voice (to Necktie at least) came over the system “You can have your weapon out right now if you waaant, but you don't need to, you'll know when you'll want them.” then another crackle as it turned off.
Zaku: Ah. New company. Welp, time to mingle I guess.
"Evenin'."
Dezzy: Lessy's eyes went wide and sparkly at the sight before her! Magic is real!! Well, she knew that already to an extent but seeing it happen was amazing. "WHOOA HO HO! That's seriously the most fucking awesome shit I've seen in, like, ever! "
She then leaned in close and whIspered, "And I've seen some weird shit with LSD."
Popping back into her place and still juiced from Necktie summoning Eldgredge she noticed the other demon in the room,skipping any formalities. "What about you? What does your thing turn into? Can I see please!"
Zaku: Woah, hello there personal space. Welp, he ain't one to be a party pooper. He already spent most of his early years doing that.
"Uh, yeah, sure thing." Clipping off his name sake, tossed it in the air and let it transform, catching The Fix taking it's form, the blade crackling a bit.
Gigi: Necktie gave a shrug, leaning on his weapon; there wasn't much he could do with tile but at least it functioned the way any other staff was supposed to. His attention was turned to the other, noting the fanny pack and its usage as a transformation catalyst. Spear and a sword, both melee.....This was going to be ugly wasn't it.
"Well, I certainly hope whatever we're facing doesn't need a gun to take care of," He laughed, though his smile seemed somewhat strained.
Zaku: "Right there with you." Pack chimed in. Ah, nervous laughing. He too knew this art of deception.
Dezzy: Lessy stumbled back a few steps when Pack threw his weapon in the air. It was like seeing fireworks, kinda! She was in awe,"So cooooool...."
At the mention of fire arms Lessy snapped out of her starstruck trance, " oh! I have a gun" from the inside of her hoodie she pulled out her silencer, twirling it in her hand before catching it. She seemed to have surprised herself at the trick but said nothing about it. Cab must of learned it, the dork. "I got your backs."
Eevelion: Now that everyone had had a bit to get situated, the proctor would finally show themselves as Robe entered from a door on one side of the catwalk, a wooden easel and canvas in one arm, and her other hand interlocked with a sort of... paint bucket with arms and feet, though it's color scheme obviously denoted it as a ghost. The catwalk would clank as the pair made their way to the center, where Robe would set up the easel behind them and then turn to face the group before clearing her throat and addressing them loudly “Hellooooo everyone! Thank you all so much for coming, the test will beginning shortly, but before then I'd like to make doubly sure everyone is aware of the rules, and to answer a few questions you might have.”
Rummaging through her pockets she'd grab a copy of the flier that she had used to invite everyone here, reading it aloud “First, the rules. One, you can't attack me or my friend here.” She'd gesture to the paint bucket ghost at this “Two, try not to hit each other for no reason, if you hit someone cause they're blocking your shot, I don't care, just don't be dumb about it. Three, I say when the test begins and ends, when I say the test is over you put away your weapons, no questions asked. And four, aside from a few exceptions, nobody leaves while the test is in progress. Aside from those I also get to add new rules as I see fit.” She'd crumple the paper then shove it back in her pocket “And with that out of the way, let's take a few questions.”
Gigi: Oh, that explained a lot as to how he got dragged here, specifically. Necktie lifted a hand up with a fluid motion, as if he was some sort of aristocrat hailing a cab.
Eevelion: Robe would lean on the railing of the catwalk as she looked at Necktie "Hi Mr. Necktie! Good to see you getting out of the club, anyways, you got a question?"
Gigi: "yes, I kind of got forced out of my hidey-hole, but it's always a pleasure to help you out, Miss Robe!" This time the smile was actually genuine, though nobody really could tell, aside from his tone changing just a bit. "We look a little, oddly balanced, do you have any protocols in place in case we get ah, just absolutely punched to death like a common incel?
Eevelion: Robe giggled at Necktie's question as she dangled her arm over the side “Yeah your teams looking a little bare, and I thought your chances of winning were low even with like, double your current size, but don't worry though, if we notice you taking a beating we'll call for a break to get you out of the arena, only slightly worse for wear!”
Gigi: "Alright, thank you," He didnt seem any relieved at this, seems as though he just called himself a common incel indirectly. Unfortunate. Oh well, if it meant helping Chaleco's kid out, he was happy to. He took a deep breath, trying to not look too full of dread.
Dezzy: Club? Necktie? Lessy's singular braincell was working overtime to put two and two together. She scratched her chin lightly, looking off to the floor. Something about it rung a bell but the more Lessy tried to think about it, the more distant it became till her mind was gone from that moment. Her eyes glazed over, as if she froze for a second but immediately came back. Though it wasn't exactly her who came back.
Cab jumped a bit in their skin, having being brought to the front in a very unfamiliar location. They scanned the area and took note of the demons that were present in their normal flesh. Cab felt around their person, looking for something but didn't find what they were looking for. Lessy was always bad at keeping record of events in case Cab took over. Though more frustrating was what Cab was wearing like HONESTLY LESSY you're at WORK. Cab immediately zipped up their hoodie to salvage some modesty.
"Yes, ah, I had a question as well." Cab infered from what was going on. They were being tested or something. Their whole air had went from energetic ball to a more somber and professional tone. " My memory escapes me, what is the object today from this here's test?"
Zaku: "Yeah, what they said." Pack chimed in, returning The Fix back the it's standard form. Huh. Cute kid. Had the cheery eyes of Netti back when she was little.
Eevelion: Robe picked herself up from the railing to address her latest question "Very good question! I tried to keep it vague on the fliers since the theatrics are way more fun, but you'll be fighting..." She'd take a moment to hunch over and pick up her paint bucket companion, sitting him on top of the railing "A little collaboration project between me and this little guy. In fact, seeing as how you've each given a question, and yes, backing up someone else's question counts as asking." She'd produce a remote from her pocket "I think it's time we get started." And with that, she'd flick the remote, causing the huge steel doors in front of the party to begin to slide open.
Eevelion: As the doors opened and light filtered in, the attendees could get their first glimpse of their opponent, and it was large, orange, and kinda drippy. When the doors fully opened the creature slid out from it's containment chamber and stood in front of the group in it's full glory, a pudgy ectoplasmic dinosaur, it would blink it's eyes at them before giving the ground a mighty thump and roaring. Robe would beam before raising her arms high into the air “And here they are! Try not hold back, we wanna see just how much they're capable of, and half-hearted fighters give rotten data, and with that, the test is begun!”
Gigi: Oh, he did not like the sound of the doors parting, he did not like the size of the shadow he could see. Damn, this really was a mammoth of a thing, wasn't it? What had Robe fed it, exactly? He pulled himself into a position that lowered his center of gravity, two hands on the spear. He really wished he wore contacts today.
Zaku: "...Well damn." Pack looked up at the rather chubby...what was that, a tyrannosaurus? Nah, looked more like a fat Godzilla.
Yeah...yeah, fat Godzilla.
Dezzy: A collaboration? With that small kiddy looking ghost and equally small child? No, no, Cab shouldn't judge a book by its cover. Looks can be deceiving for all they knew. And what do you know, they were right. That thing was GIANT. Now they were wishing it was something more simplistic and smaller in scale. Scarfing down their fears and checking their silencer they gave a steady sigh, "I got your back covered."
Lessy had already said something similar before they switched, but Cab didn't know. Doesn't sound as cool the second time.
Eevelion: Seeing how the group was conceding the first move, the inky behemoth was glad to take it, rearing around to swipe at the three still clumped together with it's tail. Meanwhile Robe plucked RT off the railing, walking back to the easel and turning her namesake into Chroma, she'd look down to her companion and ask “Well, should we give our masterpiece some support?” with a thumbs up of approval from the bucket she'd dip the brush into his ectoplasmic pool and bring it to the canvas while she thought of what to draw.
Gigi: Necktie jumped up, letting two sets of bright blue wings carry him out of the way. Tryingto steer he only just barely seemed to get him out of the way, the tail swiping past his backbone, a pole-vaulter over a pole. He kept flying, trying not to hesitate and landing a heavy stab into its neck. He was getting tossed around a bit, though the behemoth's neck was pretty fat it still seemed irritating enough of a strike-- he was being shook around and losing his hold. He kind of stuck it in there too deep. He looped a hand into one of Eldredge's hilt holes, letting himself finally fly free with the spear after the ghost successfully dislodged him.
Dezzy: Swiftly, Cab jumped back far enough for the beast to miss them entirely. However, the misplaced their footing, disoriented a bit from the switch, and ridiculously missed shooting the ghost’s head and flew way past it’s shoulder. Cab kneeled down, rubbing their temple with their free hand as they tried to shake off the rust.  They whispered harshly to themselves“C’mon, c’mon nows our chance to show what were made of...”
Eevelion: No sooner than it finished it's sweep attack the Behemoth felt a prick on it's neck as Necktie's spear, it would give a violent shake to try to dislodge the demon and his weapon, and when it no longer felt the object stuck in it's neck it would focus on the first thing to cross it's vision, in this case, Cab, lifting one of it's fin-like paws to bring it down on top of them, the new holes in it's neck dripping orange. Robe would look over her shoulder to notice first blood being drawn, and that the behemoth seemed to have momentarily lost track of it's assailant, Robe decided on her first drawing, drawing a bulky circle with a  nub on one end and a wiggly line coming out of that nub, she'd look down at RT and after sharing a nod, the drawing fell off of the canvas, becoming a real object. She'd grab this object and bring it over the railing, yelling down to Necktie “Hey! Mr Necktie! Catch this!” grinning as a spark ignited on the fuse of her painted bomb as she tossed it to him.
Zaku: "Welp...let's get to work." Summoning Fix once again, Pack gave it a few test swings before going for the big guy himself...and just thrusting air.
"...Right, shit. You don't have ranged functions." Yeah, no shit it doesnt, you goof. Try again, next time.
Gigi: He landed with a skid on his back, turning his head to see Pack doing....whatever it was he was doing. "y-you don't know how to use your own weapon?!" Dear Satan, this was looking to be some kind of hopeless between a human and a PR representative. He wasn't able to think on that statement too long,  hearing something familiar telling him something and....
SHIT
He grabbed the thing, fumbling rather comically for a few handslaps' worth of time before slinging it somewhere--anywhere, and running as fast as he could in the opposite direction.
"you're going to need to get close to it somehow unless you want to launch your weapon, which for the record I do NOT Advise!!"
Dezzy: Cab’s dizzyness spell wore off too little to late as  the goopy hand of the ghost came slamming down on their little body. They grunted in pain as the monster’s paw pressed against their back, seeping its weird paint into Lessy’s clothes. Normally Cab would be happy another one of Lessy’s flamboyant outfits would be unwearable but now wasn’t the time. Feebly, she tried to crawl out from under the ghosts paw but, as Silver the hedgehog would say, “Its no use!”
But instead, Cab seethed wily pully at the half of their body that was free,  “Fucking god dammit!” Cab didn’t want to ask for help, they had to prove themselves capable they couldn't let go of their pride just yet.
Zaku: "Look, it's been a hot minute, alright?" Making shit was one thing, but actually using it was where Pack was rusty. Fine. Let's get physical then.
Only to not even hit the fucker. But hey, he was close. Necktie, can Pack borrow your glasses, because this man's depth perception is fucking infuriating.
Eevelion: Catching Cab underneath it's paw, the behemoth picked up the driver and prepared to shove them in its mouth, that is at least, until Robe yelled from the catwalk “Hey! No eating the attendees! I'd get in huge trouble if I let someone die during this.” Behemoth, now somewhat confused what to do with Cab, sort of just, gingerly set them down on the floor, turning their attention to Pack flailing uselessly at it and giving a swipe at him with their big ol' paw.
As Robe's paint bomb exploded harmlessly away from everyone, she got to brainstorming her next drawing, deciding on a little raincloud that she sent floating over the battleground toward Necktie, drizzling him a little bit before loosing a thunderbolt beneath it.
Gigi: Necktie took this opportunity of confusion to try and swing for another attack, but underestimated the behemoth's speed and...kind of didn't hit where he wanted to.  He tried to put more distance between him and the lizard, but flying backwards sometimes means you just end up bumping on top of a raincloud and getting stuck there. Oh, it felt like paint, he hated this.
Dezzy: Necktie wasn’t the only one having a bad time with the paint monsters. Cab was simply, drenched in goop. They couldn't move as freely till they got all that shit off. Angrily they swiped at their limbs to remove the goop. “Great. Just great. They had to literally nerf the ghost just so you wouldn't die great job, Cab.”
Zaku: Hey-hey, he finally hit the fucker. Granted, on the blunt end of The Fix. And non-lethally at that. But hey, this thing is... surprising goopy. Is that even a word? Goopy?  Pretty durable dino tho.
Eevelion: As the behemoth missed another attack it started to realize, tiny things are pretty hard to hit, still, it wasn't stopping time yet, so it went in to grab that demon that had been buzzing around it trying to poke it, AKA Necktie. Robe was already readying her next drawing, a baseball bat and matching baseball popping out of the canvas as she finished, she grabbed the bat and RT grabbed the baseball, throwing it up in the air while Robe yelled “Fore!” sending the ball flying towards Cab with a meaty thwack.
Gigi: He was trying his darndest to get off of this cloud but its like, kind of hard to get off of a paint-cloud without making a mess and he was trying to get covered with as little paint as possible, which was like trying not to fall in the mud pit of a game show obstacle course. In fact, he was too preoccupied to notice a the monster swat at him, which he tired to stop with his spear, but it just went through harmlessly and he got absolutely clamped.
"THIS SUIT IS -----GHGHGHHFPFPPGPP," he got cut off before he could lament what brand it was, or if it was new or not, but we can only assume it was expensive.
Zaku: Aaand another swing. And another hit absorbed by the meat. Y'know that old show from the twenty first century way back then about the square sponge and how one episode had him absorbing punches like a...well, sponge? Yeah, imagine that but with a knife and a giant chubby [REDACTED]Zilla.
Dezzy: Chaleco would of been proud of that meaty thwack upside Cab's head. Unfortunately, they aren't him and that smack disoriented them once more that it made them miss the thing by just a hair. " Seriously?!" Cab called out to Robe. They then mumbled fustratedly as they rubbed the side of their head.
Eevelion: After a quick high five over that sick baseball pitch and swing Robe and RT put their hands to their chins (or roughly where the chin would be, in RT's case) trying to think of what to draw up next, hmm, let's let them get back to you next round. Now that the behemoth had gotten a hold of that pesky mosquito they decided to kill two birds with one mosquito shaped stone as they threw the soggy Necktie at Pack.
Zaku: And anotha stab. What the fuck, man. What kind of paint is that Robe kid working with? Also, hey Necktie. Yeesh, that must be frustrating to have all that paint on you, huh?
"You alright?" He asks them, lending a hand to help the demon up.
Dezzy: All that rage in a tiny pink body  built up enough resolve for Cab to say fuck you to this unlucky streak and shoot the fucker straight in the chest where Cab assumed its heart would be. Even after the shitshow their performance started it, it did feel good for them to get one good hit in and they smirked to prove that.
Gigi: He took the hand, knowing full well that depending on the paint it was possible he'd end up glued there if he waited too long. He REALLY hoped the ghost wasn't acrylic, but he also REALLY REALLY hoped the ghost wasn't oil either. It was too thick to be watercolor. This was unfortunate all around.
He tried to shake himself off, getting little flecks of orange scattered around. The human thankfully had it covered, it seemed. "I'll manage, I guess." He tried to run and take a hit at the ghost, but he was moving exceptionally slower than he was already and opted to throw the bident instead to try and get a proper hit--which uh, didn't work out so hot.
Eevelion: The behemoth was kind of surprised to see a bullet get lodged so deeply in itself, losing focus on its attackers and instead clumsily trying to use its paws to dig it out. Robe and RT meanwhile snickered to themselves as they set out sheets of canvas on the floor of the catwalk, they'd need some more room for what they were making, and once those were set out, they'd get to work putting together their project.
Gigi: Necktie proceeded to move, taking the opportunity to grab his spear and stab again....but the stab wasn't very successful. This felt like too long between attacks, and he took it as an opportunity to try  and put distance between them once more.
Dezzy: "Well that was almost as short-lived as Lessy's relationship with her mother." Dark humor. It helps ease the pain as their next shot for the chest was absorbed in the thing.
Zaku: Anotha' stab, anotha' failed attempt for it to do damage. Seriously, what kind of paint was this kid using??
Eevelion: While everyone down on the testing floor was having their fun, Robe was finishing up her painting, after a brief look at her work, she grabbed RT and flew up to the ceiling with him where he snapped his fingers, causing a tidal wave of paint to cascade to the floor below. The behemoth didn't notice the wave forming behind it, but they did manage to pull the bullet out of them, they would have gone in for another attack, were it not for the wave crashing into them as they were getting ready.
Gigi: Oh, he was moving way too slow now, and even if he had two sets of wings he got hit anyway and got slammed down into the paint abyss, and hard.
Dezzy: Cab quickly climbed up the behemoth's tail as to avoid getting hit  by the oncoming wave. All the meanwhile they clung like a cat on the thing's tail, Cab wondered where everything went wrong. Maybe they'd go to the shooting range and work on their came some more while they were still in control of Lessy's body. After a nice long bath of course.
Zaku: Alright, you big chubby painted fuck, Pack's getting pissed. Finally managing to pierce the fatty, jolts of electricity surged from the blade and into the big chungus of a ghost.
Was...was that meme still relevant in the  22nd century? What even is relevant.
Eevelion: The behemoth kind of stumbled under the wave, but it wasn't too unpleasant for it, just kind of annoying at most, what was REALLY annoying though was getting shocked in the side, the electric weapon charring a section of their goopy skin, the behemoth brought up a goopy paw, about to slap the offending demon when Robe called out "Alright that's enough for now, the test is over. Back in the pen for now" And like a puppy heeling to it's master the behemoth obliged, heading back behind the steel doors as it closed. Robe would clap for the victorious(?) testees "Good job everyone on not getting TOTALLY smashed, though I think the results would have been more interesting with a couple more attendees this was still very insightful." Taking out her remote she'd flick a switch and drains would begin siphoning the flood of paint from the room "Anyways, give the room a few minutes to empty out and you'll all be free to go, if you wanna hand in your clothes to the other researchers we can get them cleaned. I in the meanwhile will go return Artie to stasis, I'll return in a few minutes." Taking RT's hand in hers she'd exit the chamber through the same door she had entered, leaving the party alone in a slowly draining pool of paint.
Gigi: Necktie was splayed out on the floor, crusted in orange, just contemplating his life and his life choices. So this is how it was, huh, getting beaten by a paint ghost. Irony was one hell of a drug. Finally, he got up, removing his jacket (leaving a very fun and flirty orange triangle on his collar. caution, slow-moving vehicle.)
That being said, he held the jacket out as far away from the rest of his body as possible, watching the coattails drip. Disgusting.
Dezzy: Cab Declawed themself from the beast as it left and trudged their way back to the group. Lessy's hoodie and socks were the only real casualty of the event. Her boota, gloves and shorts were made of spandex and rubber so the paint just slide off. However it really wasn't any more favorable that Cab was left in a bikini for a top till they got home. The crossed their arms, unpleased with many things, but mainly themself.
Zaku: He hit it. That's all that matters from this out come. Returning Fix to it's base form, he now took note of the paint coating his clothes.
Well shit. He hoped that paint wasn't acrylic. Clothing choices weren't his forte.
Eevelion: A few minutes later and the floor had mostly drained away, just in time for Robe to re-enter through the main door with a spring in her step "Hello hello everyone, now that the room's drained you're free to go, I gotta stay behind though to clean up some of the mess." she'd grin at the party "I also want to thank you all again for coming, not too many people did but it's still better than nothing, I owe you all, I could take you all out to dinner or something sometime? Nothing too expensive though, I'm on a budget."
Zaku: "I'll keep it in mind. Not a bad ghost you made, kid. You've got some potential in ya." Pack remarked.
Gigi: "He's got a point it's...quite the vexing little bugger," His smile was strained but only because of the clothes, really, there was a real warmth to his tone. "And that's fine, just uh, tell your dad I said hi or something."
Dezzy: Cab stared as the paint began to drain slowly from the area. What an awful day,  what would papa Wayfarer say if he could see Lessy now? Long story short Cab was bummed. They didn't want to make eye contact with any of the demons and stared at the floor as they walked. The only thing other than tiled floor she made eye contact with has her boobs.
Her perky little boobs that had some left over paint on them. Lessy would probably be into body paint. Once again they started to disassociate as someone other than Cab drew a little star on their chest.
Glaxay was due for paint job again Lessy remembered. Just as she thought of that she realized where she was again. Shoot, did Cab take over during the WHOLE test? It seemed so as Robe was congratulating them for their participation for the day. "Fuck yeah we did!" She cheered, unaware of whether it was technically true or not, "sweet free too? Today was fucking awesome!"
Eevelion: "Well you guys weren't really fighting a ghost per se, that's why you didn't have to use nullifiers, you were fighting one of Artie's constructs, kinda like those things I kept throwing at you but with a lot more work put into it, instead of those little doodles." She clapped her hands together "Anyways though, if you change your mind or wanna call up the favor you have my number, well actually you don't, except Necktie he might have my home number, just call HQ they know how to reach me." Taking a mop and a bucket she'd start scrubbing down the test area, waving off the others as they left.
Zaku: Nullifiers? Uh...huh. That was a new thing. But hey, Pack would have time to get used to all of this demon tech mumbo jumbo properly.  But for now, he's got a favor in his pocket, and that outcome seems pretty nice, yeah? Yeah.
Now to get home and try to wash this shit off. This'll be an interesting story for Netti
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theycallmebeccawrites · 6 years ago
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Perfectly Imperfect: Chapter 3
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With Tumblr holding my original writing blog @beccaheartschrisevans captive (aka flagged as explicit), I have made a secondary writing blog and may end up closing the other all together. In the meantime, I am reposting all of my stories on my new blog.
Pairing: Chris Evans x Wren Arnold (OFC)
Rating: PG-13
Warnings: n/a
Disclaimer: This work of fiction is not to be reposted, used or translated without my permission.
Perfectly Imperfect Masterlist | Chris & Wren Masterlist
Chapter 2
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Chapter 3
June & July 2020
Before deciding, ultimately, to help Chris out by taking care of Addy for the summer, Wren consulted her roommate, Heidi. She and Heidi had met in college and had become roommates after their sophomore year and had been roommates off and on ever since. Since they were also best friends, it meant that Heidi knew most Wren's secrets and vice versa.
Heidi's professional opinion had been that is was a bad idea for Wren to go to work for Chris, especially since she was still secretly in love with him. She also thought it was a bad idea for Wren to get closer to Addy, when she had already fallen in love with the little girl. Her best friend advice slash opinion had been pretty similar to her professional one, but she knew that Wren would do anything for Chris and, suspected based on the interactions she had witnessed or heard about in the past, that he would do the same for Wren.
Armed with Heidi's advice and her own thoughts on the situation, Wren had agreed to help Chris out with Addy on the condition that the little girl attend daycare for at least three half-days a week. As an educator, Wren knew it was vital for Addy to spend time with kids her own age, especially since she was an only child.
Chris and Addy, both, had been excited when Wren had agreed to the take the job. The first couple weeks, however, had been a rough transition as they worked out the kinks and the hiccups to their schedules. Eventually though, it had all become relatively seamless.
On mornings that Chris had an early call time, Wren would arrive at the house an hour before he had to leave. Whereas, on the mornings that he had a late call time, Chris would either take Addy to daycare or get her up and ready for the day before Wren got to the house.
On the days that Addy went to daycare, Wren would pick her up before lunch and they'd spend the afternoon together. Typically, on those days, they'd go to the house for lunch, nap time and some afternoon activity. On the days they spent all day together, they typically left the house after an early lunch and used transportation time as naptime.
No matter his call time, Chris was usually home between six and seven in the evening, which meant he was either home in time for dinner or in time to put Addy to bed. Either way, Wren always made sure that there was enough dinner for him and kept his meals warm, if needed.
On the days that Chris had night shoots, Wren got to the house just before dinner and ate with Chris and Addy since Chris had to leave right after they finished. After Chris left, Wren always let Addy help clean up dinner and then let her spend a little bit longer playing in the bathtub. Nevertheless, the little girl was always in her bed by eight p.m. and Wren had the evening to herself, usually spent watching Chris's vast collection of movies. She usually retired to the guest room by eleven p.m. and left the door open a crack just in case Addy needed her.
Since most of the night shoots happened on Friday nights, Wren was usually woken up to the sound of Chris and Addy laughing as he carried his daughter downstairs to make breakfast. Wren usually gave them some extra time alone before she ventured downstairs. By that point, Chris was practically hooked up to a coffee IV, which meant that after breakfast, he went to bed and Wren drove Addy over to his mom's house for the morning.
On the weekends she wasn't helping Chris, Wren's spent most of the weekend at her apartment getting caught up on laundry and other things that seemed to slip by her during the week. It also gave her time to plan the next week for herself and Addy around Chris's schedule.
At first, Wren left their house as soon as Chris arrived home from work, wanting to give father and daughter some time alone together. That changed, however, when Addy started asking for Wren to help tuck her in and Wren couldn't tell the little girl no.
After that, it was only natural that Chris started asking Wren to stick around, too, claiming he was too amped to go to sleep and wanted to watch a movie or something. They always put on a movie, but they didn't always watch it. Sometimes they played cards and sometimes they talked. They talked about their families, their jobs and her love life (not that there really was one to talk about), but any time his past relationships came up, especially the one with Jessa, he was suddenly tired and asking Wren to leave.
The first time that happened, Wren chose not to let it bug her, after all, Chris had put in a full day on set, but the second and then third time it happened, she had begun to take it personally. In the past, there hadn't been anything that they couldn't talk about, but there clearly was now. It was obvious to her, more now than ever, that the Chris that had returned to Boston as a single dad was not the same Chris who'd left as a newlywed.
The Chris that Wren had met at the tender age of 13, had been lively and the first to chase after you if he sensed something was wrong. They had met doing summer theater together and she had witnessed several of his "encouragement" sessions, but hadn't experienced one until the summer she had been 14 and he, newly, 15.
The play that summer had been Snow White and the Seven Dwarfs. She had been cast as Snow White and Chris her Prince Charming. She had auditioned for the role knowing that she would have to kiss someone, but when the time came to practice that scene, she just couldn't do it. Every time Chris had leaned down to kiss her, she had felt every eye in the auditorium watching them and she'd yank her head out of the way at the last second.
After one particularly embarrassing dodge, that resulted in Chris kissing her nose, Wren had fled from the stage and out one of the stage doors. She had paced the parking lot and had nervously applied her favorite blue raspberry chap stick that she always kept in her pocket. She had just stuffed the stick back into her pocket when Chris had found her.
At first, she thought he was angry, but he had dispelled that thought by asking her how she was doing. She had assured him she was ok, which had led to him asking what was wrong. She hadn't wanted to tell him the truth, but he had coaxed it out of her, promising that he could help, whatever it was. She had doubted that fact, but had given in and told him the truth: she'd never kissed anyone.
Wren had expected for Chris to be surprised after she'd made her confession, but he had just nodded his head like he had expected it. Then the idiot had offered to kiss her, like it was no big deal. She had been both embarrassed and mad, obviously, she hadn't been in love with him at that point and she had let him know exactly how she'd felt about his offer.
Chris had quickly apologized for his lackadaisical offer, but had reminded her that, short of letting her understudy take her part in the play, there was no way around the kiss. After all, if they skipped the kiss until opening night, there would 250 sets of eyes watching her have her first kiss.
After listening to his reasoning and coming up with her own similar conclusion, Wren had given her approval. Chris had told her to relax and then had leaned in, pressing his lips against hers. It had been a chaste kiss, but it had been a kiss and, in the end, it had helped break the tension she had been feeling on stage.
Though they had already known each other for a year, at that point, that moment in the parking lot had been the true start of their friendship. She had already known his mom and siblings from the summer theater program, but once she had been deemed a friend by Chris, the whole Evans' family had taken her under their wings. Chris's parents had even reached out to her parents, introducing them to their social circle.
After that, despite being a grade apart, Chris and Wren had spent most of the school year that followed hanging out together. They'd suffered through driver's education together as soon as Wren had turned 15 as well as acted together in the school's theater program.
It had been at the end of that school year, Wren's freshman year of high school and Chris's sophomore year, when Wren had realized that she liked Chris as more than a friend. She wasn't sure when or how it had happened, but suddenly, one day, he was telling his mom something and the light coming in the window just sort of hit him right and Wren had realized how cute he was.
Initially, Wren had tried to shake off the feelings and, instead, had tried to channel them in a different direction, but it couldn't be helped and her feelings had only gotten stronger over the course of the summer.
By the end of the summer, she had been ready to tell Chris how she felt. There was just one little problem. While she had been trying to put some distance between them to try and calm down her feelings, he had been using that time to meet girls and had successfully gotten a summer girlfriend. Not wanting to ruin his happiness, Wren had decided to hide her feelings from him.
Of course, at age 15, Wren hadn't imagined that she would still be in love with her best friend at age 38 and have him still be none the wiser, but that was the truth of her situation. She wasn't sure if there would ever be a time or a situation for her to let her secret out, but it certainly wasn't now.
Chris might be single and in Boston again, but the fact that he was putting up a metaphorical wall between them, told Wren that he was not in a frame of mind to find out his best friend loved him. At this point, all she could do to help was be there for him.
Which is why she started accepting Chris's invitations to spend Saturdays with him and Addy. Logically, she knew it wasn't wise, but she couldn't help it, she loved spending time with the two of them and they clearly loved having her around.
It had been on one of those Saturdays that Wren got a phone call from a school in Albany, New York. She had sent the school her resume the summer after Chris had married, hoping that a change of scenery would help her in her quest to get over him, but the school hadn't had any open positions, at the time. Now, however, they did and she was one of three people they wanted to interview for a job starting in mid August.
Chapter 4
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Want to find me off tumblr? I'm @beccatheycallme on twitter. I also post my stories on AO3.
My tag list is always open, just let me know if you'd like to be added!
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oldnintendonerd · 6 years ago
Text
Prime Hunting Season Starting Soon
Official hunting season for 2018 is long over. With another season in 2019 just around the corner. I visited what was to be the final yard sale of the 2018 season on October 25th 2018. A brave older couple was downsizing and held a yard sale when it was 36 degrees out. Unfortunately, they were not gamers. Nor did they have any games from any kids or grandchildren. They did have some stereo equipment, and a surround sound speaker system. No music, or blu rays either though. The stereo was a shelf system, not a component type unit like I would be looking for to match the Sony TC-WE805S tape deck that I got at the start of the season. An all around bust of a sale for me. I wished them luck and headed on my way.
I closed out the last post with the PS3 find from 09.01.18. Giving me access to HD console gaming. A new era for this Old Nintendo Nerd. I do primarily game at 240p being that NES, SNES and N64 are the consoles nearest and dearest to my heart. GameCube and Wii weigh in at 480p at their absolute best, still falling short of HD. But now, with a PS3, we’ve got 720p gaming (mostly, some is 1080p). I have no problem with collecting a little for this system, I’ve heard good things about Uncharted, The Last of Us, and a smattering of a few other games that I will be looking out for.
Before we get into finds for the last, freakin 5 months, I have sold a couple things since the last post, and I should hope so, since its been forever! Right? Sorry. Life.
I had a bundle of 16 total PS1 games that I let go of. Titles were the likes of Syphon Filter, Driver, Test Drive 5, Rainbow Six, and a smattering of other luke warm titles. I’ve posted all of them up here at one point or another, so you have an idea. They were nothing I’d ever want to play, and since I only paid around $16 total for all of them at $0.99 a piece, I thought if I could average around $2 a pop on eBay id be doing OK doubling my money. They all added up to a value of about $95 on pricecharting. Now granted, that is fantasy prices, even those prices aren’t the prices the sellers MAKE when sold. Ultimately they all went for $52.99 as a lot. After fees and shipping it netted me $38.44, which comes to right about $2.40 each. 40 cents higher than I was hoping to get per game. Not bad!
The end of the last post left us with $9.73. Put that in with the $38.44 for a total of $48.17.
Additionally, I sold a disc only copy of Animal Crossing on eBay that I had laying around for $18.99. This came to $13.58 in pocket after fees and shipping. Tack that on and we now have $61.75 game hunting money moving into this post.
I’ll be honest, it’s been thin, it is cold here in the winter, there are no yard sales through the cold months at all. Places like Arizona or Florida where you could sale year round are lucky. Not here. Even donations to Goodwill slow down significantly as well, making the hunting quite a bit more difficult. I had zero finds for basically all of September. Which was surprising, it is really the last warm month here with temps still reaching 70′s and sometimes low 80s. But it wasn’t until the end of the month I ran across something at the Goodwill.
De Blob - Found 09.29.2018 at Goodwill
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Disc, case and Manual all in pretty good shape, but nothing to write home about. If it were June and prime hunting season and I’d been getting finds, I probably wouldn’t have bought it.
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But I did, and it cost me $3.21. Takes the total down to $58.54.
Next up was the first official game for my new PS3. Again nothing fantastic, but at least it rang up at the DVD price instead of the game price. Saved me $1.
Gran Turismo 5 Prologue Found 10.04.2018 at Goodwill
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Minty fresh.
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But, again nothing special, not even a full game. But I sat and played it for an hour anyway. Probably already had $2 worth of fun with the thing. Despite being labeled $5.99, they still only charged me the DVD rate of $1.99. Hah! So, $2.13 out of the till leaves us with $56.41.
The next find was literally the next day. Different Goodwill though.
Grand Theft Auto San Andreas on PS2 and Grand Theft Auto IV on PS3 - Found 10.05.2018 at Goodwill
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This was absolutely minty fresh as well. Both of them were. Discs, cases, and manuals / maps. I wasn’t going to buy San Andreas but when I saw that it was in as good of shape as it was, and had a bonus inside, I couldn’t not get it.
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First time I’ve found a game in Goodwill with a Memory Card inside. Those are $8 to $10 each right there, and I am a little short on memory cards, so I had to get it. The game was technically the bonus, I bought it for the memory card. Heh.
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Great shape for two Goodwill games, they look brand new. Plus I heard that while GTA V is superior graphically, GTA IV is better with exploration, in that you can enter buildings, and enemy AI is a lot better as well. So I thought, what the hell?
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Those two ran $6.42 together taking us to $49.99.
The next find was from 10.15.2018, from Goodwill, another few halfway decent games. Borderlands, Alice, Dante’s Inferno, Marvel Vs. Capcom 3,  and a Disc only copy of Skyrim. It was actually in the same case as Alice, just under the Alice Disc for some reason. I wasn’t arguing with that so I left it there.
PS3 Lot - Found 10.15.2018 at Goodwill
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Sucks about the two basically disc only games. Marvel Vs Capcom and Skyrim. One being from Best Buy pre-owned. The other hiding under Alice in the same case. not that I’m complaining about that one. Free game? Nothing wrong with that. How Best Buy even gets disc only copies of stuff is beyond me. Game system trades or returns with games still in them? I wasn’t aware they did pre-owned anything.
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In any case... They are all in good shape. Minimal labels and damage.
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Especially Alice. I dig the art on this one, and it is in very good condition.
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As for Skyrim, well, I had a spare case laying around for FIFA 09, and I figured, why not print out a cover for it. I couldn’t give a shit less about FIFA Soccer. You can see the print lines, but it’ll do to hold the disc.
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All of this ran me $12.86 being I paid for four games at $2.99 each plus tax. This takes the hunting money down to $37.13.
Moving into November, I had a spectacular find. At least, for the hunting money total. Not so much on the video game front, because it was just a Blu-Ray movie.
Wing Commander Blue-Ray - Sealed - Found 11.08.2018 at Goodwill
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This thing, just looks like cheese from the cover. I picked it up, and immediately put it back down and walked around the corner to where some more shelves are. Then I said to myself you know what? No, let me check that, immediately dismissing something out of hand like that loses people money. Pulled up eBay on my phone and about pooped my pants. A sealed one was listed for $180. I thought that has to be some looney toon’s listing. I kept scrolling and no, used ones were just under $100. Check sold listings and there were real sales for $80+. Suffice to say I bought it, of course. Listed that sucker up, and I was hoping to get over $100 for it since it was sealed, but, there was some damage to the corner. The plastic was not in tact anymore.
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This made the listing go for a lot less than $180. However, I was still pleased to see it sell for $85.00. For a $2 item? That’s a home run! After fees and shipping it netted us a nice cool $68.67. To be fair I will pull the money I used to buy it from the game hunting money, it was $2.12 ($1.99 plus tax) dropping us to $35.01. Then, adding $68.67 gives us...
**** DRUM ROLL****
$103.68!
We are now officially above the original $100 I started this game hunting journey with.
Not a bad note to end this post on. I’ll post up the finds for the very end of 2018 in the next post. Hopefully I can cobble that together here in the next couple of weeks and have it up much faster than I got this one up. There’s a really nice co-worker find to detail.
2018.03.25
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stephenmccull · 3 years ago
Text
How ERs Fail Patients With Addiction: One Patient’s Tragic Death
Jameson Rybak tried to quit using opioids nearly a dozen times within five years. Each time, he’d wait out the vomiting, sweating and chills from withdrawal in his bedroom.
It was difficult to watch, said his mother, Suzanne Rybak, but she admired his persistence.
On March 11, 2020, though, Suzanne grew worried. Jameson, 30 at the time, was slipping in and out of consciousness and saying he couldn’t move his hands.
By 11 p.m., she decided to take him to the emergency room at McLeod Regional Medical Center in Florence, South Carolina. The staff there gave Jameson fluids through an IV to rehydrate, medication to decrease his nausea and potassium supplements to stop his muscle spasms, according to Suzanne and a letter the hospital’s administrator later sent her.
But when they recommended admitting him to monitor and manage the withdrawal symptoms, Jameson said no. He’d lost his job the previous month and, with it, his health insurance.
“He kept saying, ‘I can’t afford this,’” Suzanne recalled, and “not one person [at the hospital] indicated that my son would have had some financial options.”
Suzanne doesn’t remember any mention of the hospital’s financial assistance policy or payment plans, she said. Nor does she remember any discussions of providing Jameson medication to treat opioid use disorder or connecting him to addiction-specialty providers, she said.
“No referrals, no phone numbers, no follow-up information,” she later wrote in a complaint letter to the hospital.
Instead, ER staff provided a form saying Jameson was leaving against medical advice. He signed and Suzanne witnessed.
Three months later, Jameson Rybak died of an overdose in his childhood bedroom.
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Missed Opportunities
That March night in the emergency room, Jameson Rybak had fallen victim to two huge gaps in the U.S. health care system: a paucity of addiction treatment and high medical costs. The two issues — distinct but often intertwined — can come to a head in the ER, where patients and families desperate for addiction treatment often arrive, only to find the facility may not be equipped to deal with substance use. Or, even if they are, the treatment is prohibitively expensive.
Academic and medical experts say patients like Jameson represent a series of missed opportunities — both medical and financial.
“The emergency department is like a door, a really important door patients are walking through for identification of those who might need help,” said Marla Oros, a registered nurse and president of the Mosaic Group, a Maryland-based consulting firm that has worked with more than 50 hospitals nationwide to increase addiction treatment services. “We’re losing so many patients that could be identified and helped,” she said, speaking generally.
A spokesperson for McLeod Regional Medical Center, where Jameson went for care, said they would not comment on an individual’s case and declined to answer a detailed list of questions about the hospital’s ER and financial assistance policies. But in a statement, the hospital’s parent company, McLeod Health, noted that the hospital adhered to federal laws requiring that hospital ERs provide “immediate stabilizing care” for all patients, regardless of their ability to pay.
“Our hospitals attempt to manage the acute symptoms, but we do not treat chronic, underlying addiction,” the statement added.
Suzanne said her son needed more than stabilization. He needed immediate help breaking the cycle of addiction.
Jameson had been in and out of treatment for five years, ever since a friend suggested he try opioids to manage his anxiety and insomnia. He had insurance through his jobs in the hotel industry and later as an electrical technician, Suzanne said. But the high-deductible plans often left him paying out-of-pocket: $3,000 for a seven-day rehab stay, $400 for a brief counseling session and a prescription of Suboxone, a medication to treat opioid use disorder.
After he lost his job in February 2020, Jameson tried again to detox at home, Suzanne said. That’s what led to the ER trip.
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Treating Addiction in the ER
Hospital ERs across the nation have become ground zero for patients struggling with addiction.
A seminal study published in 2015 by researchers at Yale School of Medicine found that giving patients medication to treat opioid use disorder in the ER doubled their chances of being in treatment a month later, compared with those who were given only referrals to addiction treatment.
Yet providing that medication is still not standard practice. A 2017 survey found just 5% of emergency medicine physicians said their department provided medications for opioid use disorder. Instead, many ERs continue to discharge these patients, often with a list of phone numbers for addiction clinics.
Jameson didn’t even get that, Suzanne said. At McLeod Regional, he was not seen by a psychiatrist or addiction specialist and did not get a prescription for Suboxone or even a referral, she said.
After Jameson’s death, Suzanne wrote to the hospital: “Can you explain to me, especially with the drug crisis in this country, how the ER was not equipped with personnel and/or any follow-up for treatment?”
Hospital administrator Will McLeod responded to Suzanne, in a letter she shared with KHN, that per Jameson’s medical record he’d been evaluated appropriately and that his withdrawal symptoms had been treated. Jameson declined to be admitted to the hospital, the letter said, and could not be involuntarily committed, as he “was not an imminent danger to himself or others.”
“Had he been admitted to our hospital that day, he would have been assigned to social workers and case managers who could have assisted with referrals, support, and follow-up treatment,” McLeod wrote.
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Nationwide, hospitals are working to ramp up the availability of addiction services in the ER. In South Carolina, a state-funded program through the Medical University of South Carolina and the consulting firm Mosaic Group aims to help hospitals create a standardized system to screen patients for addiction, employ individuals who are in recovery to work with those patients and offer medication for opioid use disorder in the ER.
The initiative had worked with seven ERs as of June. It was in discussions to work with McLeod Regional hospital too, program staffers said. However, the hospital backed out.
The hospital declined to comment on its decision.
ER staffs around the country often lack the personnel to launch initiatives or learn about initiating addiction treatment. Sometimes affordable referral options are limited in the area. Even when the initial prescribing does occur, cost can be a problem, since Suboxone and its generic equivalent range in price from $50 to over $500 per prescription, without insurance.
In South Carolina, which has not expanded Medicaid, nearly 11% of the population is uninsured. Among patients in the state’s program who have been started on medications for opioid use disorder in ERs, about 75% are uninsured, said Dr. Lindsey Jennings, an emergency medicine physician at MUSC who works on the statewide initiative.
Other parts of the country face similar concerns, said Dr. Alister Martin, an emergency medicine physician who heads a national campaign to encourage the use of these medications in the ER. In Texas, for example, hundreds of doctors have gotten certified to provide the medications, he said, but many patients are uninsured and can’t pay for their prescriptions.
“You can’t make it effective if people can’t afford it,” Martin said.
Too Late for Charity Care
Throughout the night at McLeod Regional hospital’s ER, Jameson worried about cost, Suzanne said.
She wanted to help, but Jameson’s father and younger brother had recently lost their jobs, and the household was running on her salary as a public school librarian.
Suzanne didn’t know that nonprofit hospitals, like McLeod, are required by the federal government to have financial assistance policies, which lower or eliminate bills for people without the resources to pay. Often called charity care, this assistance is a condition for nonprofit hospitals to maintain their tax-exempt status.
But “nonprofits are actually doing less charity care than for-profits,” said Ge Bai, an associate professor at Johns Hopkins University who published a study this year on the level of charity care provided by different hospitals.
That’s in part because they have wide leeway to determine who qualifies and often don’t tell patients they may be eligible, despite federal requirements that nonprofit hospitals “widely publicize” their financial assistance policies, including on billing statements and in “conspicuous public displays” in the hospital. One study found that only 50% of hospitals regularly notified patients about eligibility for charity care before initiating debt collection.
McLeod Regional’s most recent publicly available tax return states that “uninsured patients are screened at the time of registration” and if they’re unable to pay and ineligible for governmental insurance, they’re given an application.
Suzanne said she doesn’t remember Jameson or herself receiving an application. The hospital declined to comment on the Rybaks’ case and whether it provides “conspicuous public displays” of financial assistance.
“Not once did anybody tell us, ‘Let’s get a financial person down here,’ or ‘There are grant programs,’” Suzanne said.
Mark Rukavina, with the nonprofit health advocacy group Community Catalyst, said most hospitals comply with the letter of the law in publicizing their assistance policy. But “how effective some of that messaging is may be a question,” he said. Some hospitals may bury the policy in a dense packet of other information or use signs with vague language.
A KHN investigation in 2019 found that, nationwide, 45% of nonprofit hospital organizations were routinely sending medical bills to patients whose incomes were low enough to qualify for charity care. McLeod Regional hospital reported $1.77 million of debt from sending bills to such patients, which ended up going unpaid, for the fiscal year ending in 2019.
Believing they couldn’t afford in-patient admission, the Rybaks left the hospital that night.
After the ER
Afterward, Jameson’s withdrawal symptoms passed, Suzanne said. He spent time golfing with his younger brother. Although his application for unemployment benefits was denied, he managed to defer payments on his car and school loans, she said.
But, inside, he must have been struggling, Suzanne now realizes.
Throughout the pandemic, many people with substance use disorder reported feeling isolated and relapsing. Overdose deaths rose nationwide.
On the morning of June 9, 2020, Suzanne opened the door to Jameson’s room and found him on the floor. The coroner determined he had died of an overdose. The family later scattered his ashes on Myrtle Beach — Jameson’s favorite place, Suzanne said.
In the months following Jameson’s death, hospital bills for his night in the ER arrived at the house. He owed $4,928, they said. Suzanne wrote to the hospital that her son was dead but received yet another bill addressed to him after that.
She shredded it and mailed the pieces to the hospital, along with a copy of Jameson’s death certificate.
Twelve days later, the health system wrote to her that the bill had been resolved under its charity care program.
Bill of the Month is a crowdsourced investigation by KHN and NPR that dissects and explains medical bills. Do you have an interesting medical bill you want to share with us? Tell us about it!
KHN (Kaiser Health News) is a national newsroom that produces in-depth journalism about health issues. Together with Policy Analysis and Polling, KHN is one of the three major operating programs at KFF (Kaiser Family Foundation). KFF is an endowed nonprofit organization providing information on health issues to the nation.
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gordonwilliamsweb · 3 years ago
Text
How ERs Fail Patients With Addiction: One Patient’s Tragic Death
Jameson Rybak tried to quit using opioids nearly a dozen times within five years. Each time, he’d wait out the vomiting, sweating and chills from withdrawal in his bedroom.
It was difficult to watch, said his mother, Suzanne Rybak, but she admired his persistence.
On March 11, 2020, though, Suzanne grew worried. Jameson, 30 at the time, was slipping in and out of consciousness and saying he couldn’t move his hands.
By 11 p.m., she decided to take him to the emergency room at McLeod Regional Medical Center in Florence, South Carolina. The staff there gave Jameson fluids through an IV to rehydrate, medication to decrease his nausea and potassium supplements to stop his muscle spasms, according to Suzanne and a letter the hospital’s administrator later sent her.
But when they recommended admitting him to monitor and manage the withdrawal symptoms, Jameson said no. He’d lost his job the previous month and, with it, his health insurance.
“He kept saying, ‘I can’t afford this,’” Suzanne recalled, and “not one person [at the hospital] indicated that my son would have had some financial options.”
Suzanne doesn’t remember any mention of the hospital’s financial assistance policy or payment plans, she said. Nor does she remember any discussions of providing Jameson medication to treat opioid use disorder or connecting him to addiction-specialty providers, she said.
“No referrals, no phone numbers, no follow-up information,” she later wrote in a complaint letter to the hospital.
Instead, ER staff provided a form saying Jameson was leaving against medical advice. He signed and Suzanne witnessed.
Three months later, Jameson Rybak died of an overdose in his childhood bedroom.
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Missed Opportunities
That March night in the emergency room, Jameson Rybak had fallen victim to two huge gaps in the U.S. health care system: a paucity of addiction treatment and high medical costs. The two issues — distinct but often intertwined — can come to a head in the ER, where patients and families desperate for addiction treatment often arrive, only to find the facility may not be equipped to deal with substance use. Or, even if they are, the treatment is prohibitively expensive.
Academic and medical experts say patients like Jameson represent a series of missed opportunities — both medical and financial.
“The emergency department is like a door, a really important door patients are walking through for identification of those who might need help,” said Marla Oros, a registered nurse and president of the Mosaic Group, a Maryland-based consulting firm that has worked with more than 50 hospitals nationwide to increase addiction treatment services. “We’re losing so many patients that could be identified and helped,” she said, speaking generally.
A spokesperson for McLeod Regional Medical Center, where Jameson went for care, said they would not comment on an individual’s case and declined to answer a detailed list of questions about the hospital’s ER and financial assistance policies. But in a statement, the hospital’s parent company, McLeod Health, noted that the hospital adhered to federal laws requiring that hospital ERs provide “immediate stabilizing care” for all patients, regardless of their ability to pay.
“Our hospitals attempt to manage the acute symptoms, but we do not treat chronic, underlying addiction,” the statement added.
Suzanne said her son needed more than stabilization. He needed immediate help breaking the cycle of addiction.
Jameson had been in and out of treatment for five years, ever since a friend suggested he try opioids to manage his anxiety and insomnia. He had insurance through his jobs in the hotel industry and later as an electrical technician, Suzanne said. But the high-deductible plans often left him paying out-of-pocket: $3,000 for a seven-day rehab stay, $400 for a brief counseling session and a prescription of Suboxone, a medication to treat opioid use disorder.
After he lost his job in February 2020, Jameson tried again to detox at home, Suzanne said. That’s what led to the ER trip.
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Treating Addiction in the ER
Hospital ERs across the nation have become ground zero for patients struggling with addiction.
A seminal study published in 2015 by researchers at Yale School of Medicine found that giving patients medication to treat opioid use disorder in the ER doubled their chances of being in treatment a month later, compared with those who were given only referrals to addiction treatment.
Yet providing that medication is still not standard practice. A 2017 survey found just 5% of emergency medicine physicians said their department provided medications for opioid use disorder. Instead, many ERs continue to discharge these patients, often with a list of phone numbers for addiction clinics.
Jameson didn’t even get that, Suzanne said. At McLeod Regional, he was not seen by a psychiatrist or addiction specialist and did not get a prescription for Suboxone or even a referral, she said.
After Jameson’s death, Suzanne wrote to the hospital: “Can you explain to me, especially with the drug crisis in this country, how the ER was not equipped with personnel and/or any follow-up for treatment?”
Hospital administrator Will McLeod responded to Suzanne, in a letter she shared with KHN, that per Jameson’s medical record he’d been evaluated appropriately and that his withdrawal symptoms had been treated. Jameson declined to be admitted to the hospital, the letter said, and could not be involuntarily committed, as he “was not an imminent danger to himself or others.”
“Had he been admitted to our hospital that day, he would have been assigned to social workers and case managers who could have assisted with referrals, support, and follow-up treatment,” McLeod wrote.
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Nationwide, hospitals are working to ramp up the availability of addiction services in the ER. In South Carolina, a state-funded program through the Medical University of South Carolina and the consulting firm Mosaic Group aims to help hospitals create a standardized system to screen patients for addiction, employ individuals who are in recovery to work with those patients and offer medication for opioid use disorder in the ER.
The initiative had worked with seven ERs as of June. It was in discussions to work with McLeod Regional hospital too, program staffers said. However, the hospital backed out.
The hospital declined to comment on its decision.
ER staffs around the country often lack the personnel to launch initiatives or learn about initiating addiction treatment. Sometimes affordable referral options are limited in the area. Even when the initial prescribing does occur, cost can be a problem, since Suboxone and its generic equivalent range in price from $50 to over $500 per prescription, without insurance.
In South Carolina, which has not expanded Medicaid, nearly 11% of the population is uninsured. Among patients in the state’s program who have been started on medications for opioid use disorder in ERs, about 75% are uninsured, said Dr. Lindsey Jennings, an emergency medicine physician at MUSC who works on the statewide initiative.
Other parts of the country face similar concerns, said Dr. Alister Martin, an emergency medicine physician who heads a national campaign to encourage the use of these medications in the ER. In Texas, for example, hundreds of doctors have gotten certified to provide the medications, he said, but many patients are uninsured and can’t pay for their prescriptions.
“You can’t make it effective if people can’t afford it,” Martin said.
Too Late for Charity Care
Throughout the night at McLeod Regional hospital’s ER, Jameson worried about cost, Suzanne said.
She wanted to help, but Jameson’s father and younger brother had recently lost their jobs, and the household was running on her salary as a public school librarian.
Suzanne didn’t know that nonprofit hospitals, like McLeod, are required by the federal government to have financial assistance policies, which lower or eliminate bills for people without the resources to pay. Often called charity care, this assistance is a condition for nonprofit hospitals to maintain their tax-exempt status.
But “nonprofits are actually doing less charity care than for-profits,” said Ge Bai, an associate professor at Johns Hopkins University who published a study this year on the level of charity care provided by different hospitals.
That’s in part because they have wide leeway to determine who qualifies and often don’t tell patients they may be eligible, despite federal requirements that nonprofit hospitals “widely publicize” their financial assistance policies, including on billing statements and in “conspicuous public displays” in the hospital. One study found that only 50% of hospitals regularly notified patients about eligibility for charity care before initiating debt collection.
McLeod Regional’s most recent publicly available tax return states that “uninsured patients are screened at the time of registration” and if they’re unable to pay and ineligible for governmental insurance, they’re given an application.
Suzanne said she doesn’t remember Jameson or herself receiving an application. The hospital declined to comment on the Rybaks’ case and whether it provides “conspicuous public displays” of financial assistance.
“Not once did anybody tell us, ‘Let’s get a financial person down here,’ or ‘There are grant programs,’” Suzanne said.
Mark Rukavina, with the nonprofit health advocacy group Community Catalyst, said most hospitals comply with the letter of the law in publicizing their assistance policy. But “how effective some of that messaging is may be a question,” he said. Some hospitals may bury the policy in a dense packet of other information or use signs with vague language.
A KHN investigation in 2019 found that, nationwide, 45% of nonprofit hospital organizations were routinely sending medical bills to patients whose incomes were low enough to qualify for charity care. McLeod Regional hospital reported $1.77 million of debt from sending bills to such patients, which ended up going unpaid, for the fiscal year ending in 2019.
Believing they couldn’t afford in-patient admission, the Rybaks left the hospital that night.
After the ER
Afterward, Jameson’s withdrawal symptoms passed, Suzanne said. He spent time golfing with his younger brother. Although his application for unemployment benefits was denied, he managed to defer payments on his car and school loans, she said.
But, inside, he must have been struggling, Suzanne now realizes.
Throughout the pandemic, many people with substance use disorder reported feeling isolated and relapsing. Overdose deaths rose nationwide.
On the morning of June 9, 2020, Suzanne opened the door to Jameson’s room and found him on the floor. The coroner determined he had died of an overdose. The family later scattered his ashes on Myrtle Beach — Jameson’s favorite place, Suzanne said.
In the months following Jameson’s death, hospital bills for his night in the ER arrived at the house. He owed $4,928, they said. Suzanne wrote to the hospital that her son was dead but received yet another bill addressed to him after that.
She shredded it and mailed the pieces to the hospital, along with a copy of Jameson’s death certificate.
Twelve days later, the health system wrote to her that the bill had been resolved under its charity care program.
Bill of the Month is a crowdsourced investigation by KHN and NPR that dissects and explains medical bills. Do you have an interesting medical bill you want to share with us? Tell us about it!
KHN (Kaiser Health News) is a national newsroom that produces in-depth journalism about health issues. Together with Policy Analysis and Polling, KHN is one of the three major operating programs at KFF (Kaiser Family Foundation). KFF is an endowed nonprofit organization providing information on health issues to the nation.
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(Part 1) Im genderfluid leaning more towards masculine & ive been debating getting breast surgery. Idk if i want to get top surgery, but I wanna at least get a reduction bc rn they are too big to pass while in baggy clothes/im afraid to bind them at this size. My mom has gotten a reduction before & told me all of these horror stories about it, like how your breasts will come out weirdly flat afterwards, or how they could easily grow again, especially if i gain weight or get pregnant. (Cont...)
(…Cont) (part 2) Idk what to do or if i should still go through with it, will these things happen to me or is the experience different for other ppl?
Emery says: 
Hi anon! I got a bilateral breast reduction in June 2015 and I *highly* recommend it. I was fortunate enough to have medical insurance that actually covered part of the cost of surgery on the grounds that having such large breasts caused back pain. Because of this little loophole, I actually ended up paying less than $500 out of pocket, which is incredible considering how many thousands of dollars top surgery can cost. I also crowd-funded for my surgery with great success - I recommend YouCaring over GoFundMe; GFM takes a cut of your donations. 
As far as breast growth post-surgery, I have noticed some, but I also went through a semi-significant weight gain post-surgery. However, my bra size has not changed, and it hasn’t been enough growth to have made the surgery not worth it. 
I can’t speak to the effects of pregnancy, but my guess is that it would affect surgically altered breasts relatively similarly to unaltered breasts - that is, they get larger prior to birth and when your milk comes in, then return to their previous size after awhile. There is a risk that you won’t be able to nurse a baby after breast reduction surgery, something my surgeon warned me about. I think he said it’s about a 50% chance? I didn’t pay much attention since biological children are not in my future anyway. But if that’s something you’re concerned about, it’s definitely worth asking the surgeon. 
When it comes to the actual surgery and recovery experience, I found it pretty smooth. The surgery is not particularly invasive, is an outpatient procedure, and all told takes about 3-5 hours in the clinic (that includes getting prepped, surgery, waking up in recovery, and getting instructions to go home). I went back the day after to get my drains removed, and had a follow-up appointments (I remember having them after one week and after 3 months but I think I had another 1 or 2 in between there). 
My total recovery time was 3 months if you count waiting until all the swelling had gone down completely and they said I could buy new bras and stuff, but my stitches were dissolved/removed in two weeks (ish?) and I was allowed to go back to most normal activities after 3 weeks. The worst part of the recovery was the first two or three days, which were mostly spent on painkillers, in bed, with ice on my chest. Luckily my parents took care of my - on the day of the surgery my mom took me to and from the clinic and stayed with me, and the next day my dad stayed home to care for me and take me to get my drains out. By the third day I was home alone during the day and managed to survive okay (mostly sleeping). 
The hardest part of recovery was having to sleep propped up because I’m a very particular sleeper, but I did okay. It was also hard to sit up after reclining because using my abdominal muscles hurt, so I needed someone to brace my back and help for a few days. My incisions themselves healed really well, except for one spot that developed a hematoma (basically a pocket inside of clotted blood). But even that healed within a month. Now, two and a half years after surgery, my scars are visible only as thin white lines. 
This was a lot about my personal experience, but if you have further questions about my experience or more generally, feel free to ask over on my personal blog, @momqueer. You can also check out my surgery tag (http://momqueer.tumblr.com/tagged/surgery+tag) for posts and pics from when I actually got surgery. Good luck!
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glitteryyouthstudentworld · 5 years ago
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To those that know and also, to those that don’t, I should point out that my title is indeed a reference to Stephen Hawking’s, ‘A brief history of time’. However, the only mention of General Relativity in this article, will be if an ex-governor or minister shared the same name.
I have always had an interest in history, especially in the history of our prisons. My passion for history, and researching, arose from the first and only English Pope, Adrian IV, real name Nicholas Breakspear, who was born in Abbots Langley near St Albans. – which, coincidentally, is where Stephen Hawking grew up after moving there with his family as an 8-year-old.  Another link to Nicholas was Henry II, although by the time of 1166, Nicholas had passed away. He died on September 1, 1159, allegedly choking on a fly in his wine.
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Public Domain, https://commons.wikimedia.org/w/index.php?curid=226378
It is in 1166, and with Henry II, where I begin part one of my look at the history of the prison system of England and Wales. 
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One hundred years after the Battle of Hastings, King Henry II orders the building of prisons. One of the first prisons to be built in London was Newgate. A prison that once occupied the site where the Old Bailey now sits. Newgate opened in 1188 and was active until closing in 1902, with the prison being demolished in 1904. It was during Henry’s reign that the precursor to common law was created and in order to settle land disputes, the jury system was created.
You will soon be able to read a ‘Guide to London Prisons: Past & Present’ via the website:
London Crime
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Which includes:
More details on Newgate, along with information; on those still in active use (in and around the capital) and the plethora of London prisons that no longer exist.
London Crime is an intriguing, gritty and captivating subject. London, England has a crime history that is full of real-life escapades, robberies, murders and other fascinating stories of criminal intent. BUT! Our intention is not to glamorise crime, this site is not about the London crime news of today, other news sites can do that!  although we are behind some great organisations that are aiming to reduce knife crime in the capital and beyond. We are providing fact (check out the A TO Z) films, documentaries, fiction books and non-fiction books, gifts and areas that you can research We at londoncrime.co.uk do not condone criminal activity and we fully support all of the London Police areas with their continuing mission to make the streets of London safe. An extremely tough job! 
A historic event that took place on the 15th June 1215, the signing of the Magna Carta, would see the early beginnings of judicial rights in England.
It included Article 39:
“No free man shall be arrested, or imprisoned, or deprived of his property, or outlawed, or exiled, or in any way destroyed, nor shall we go against him or send against him, unless by legal judgement of his peers, or by the law of the land.”
The 14th century saw people being locked up for refusing to be tried by jury. The prison conditions were extremely primitive, with prisoners expected to sleep on bare floors. Fed bread and water and, only on every other day. The jailers would charge prisoners for everything, this included the removal of the prisoner’s restraints. As we head into the 15th century vagrancy was a massive social problem, the ‘Bridewell’ or House of Corrections was established to deal with the problem.
“The London Bridewell, set up in 1555, was the first ‘House of Correction’ and the term was often used henceforth to describe such institutions. The 16th cent. saw a massive increase in the numbers of poor and indigent, and houses of correction, with stern regimes of hard work, were used for the punishment and reformation of petty offenders or groups who were regarded as anti-social or idle, such as players of unlawful games, fortune-tellers, minstrels, tinkers and pedlars, hedge-breakers, vagabonds, and gypsies. In 1610 houses of correction were set up generally throughout England. The distinction between them and prisons was abolished in 1865.”
Mulholland, M. (2015). Bridewell. In The Oxford Companion to British History. : Oxford University Press,. Retrieved 8 Jun. 2019, from https://www.oxfordreference.com/view/10.1093/acref/9780199677832.001.0001/acref-9780199677832-e-599.
Prisons at this time were also full of the ‘idle poor’, individuals locked up who were considered lazy, left to sit in prison until a magistrate decided they could be released. The gallows were a destination for even the pettiest of crimes, but in the 1600’s juries started to refuse to hand out the death penalty for low-level crimes, this meant prison numbers began to grow exponentially. A pardon was on offer for any petty crook caught who would enlist in the Army or Navy.
The 1700’s saw the start of the ‘Industrial Revolution’, however, as the century was ending and the revolution slowing down, citizens had been, and were, being displaced, debt became a huge problem, once again prisons had to deal with overcrowding. Then, with the ‘Napoleonic Wars’ of 1803 – 1815 where we would have an influx of POW’s, overcrowding worsened. ‘Hulks’ or derelict ships, used to house prisoners, began to be seen on the Thames and in the ports of southern England.
To ease pressure on our prisons, and in a move considered somewhat more humane than the death penalty, prisoners were ‘transported’ to North America. A practice that continued until the ‘American War of Independence’ of 1775 – 1783, a point at which up to 50,000 former prisoners had settled. However, it would only cease to America, as Australia would become the new destination.
A story I was told years ago, has now found a use in my life. As the American War of Independence put an end to transportation to North America, and before we began sending ships to Australia. Prisoners, awaiting transportation, were held in ships on the Thames. One of these ships bound for Australia was moored at Millbank prison in London, on the shirt pockets of prisoners aboard this ship were the initials P.O.M prisoner of Millbank.
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A plan of the emigrant ship St Vincent. © National Maritime Museum, London
The first ship left for Australia a few years after the War of Independence had ended. The last convict ship to leave England for Australia was the ‘St Vincent’. She arrived in 1853. However, transportation continued to Western Australia until, in 1867 the ‘Hougoumont’ would be the last ship to leave these shores, she arrived in WA in January 1868. Between 1788 and 1868 over 800 ships carried more than 150,000 halfway around the world.
In 1777, the High Sheriff of Bedfordshire – the man who the Howard League for Penal Reform is named after – John Howard publishes the ‘State of the Prisons in England and Wales’, following a 17 year study of prison conditions. 1791 would see English philosopher Jeremy Bentham design his infamous ‘Panopticon’, his vision of an ideal prison. A design where prisoners could be unobserved, unaware, by guards. His design was never put to use; however, the model was used to build a few prisons, Pentonville and Millbank – which, opened in 1816, and was the first state prison in England – among them.
  Source: http://www.victorianlondon.org
 One of Howard’s proposals made in 1777 was that jailers were to no longer charge prisoners for anything. In 1815 jailers begin to be paid, finally, by the government. It was the duty of a magistrate to inspect prisons but in 1835, prison inspectors, who would report back to parliament, were introduced. By 1877 all prison staff were not only salaried, but also, employed on merit.
I have served a number of years in HMP Norwich, where two of the wings still carry the names Fry and Gurney, although they are still referred to as that by the, for want of a better phrase, hackneyed staff, they are now known as single letter wings.
Elizabeth Fry and her brother Joseph John Gurney are two people I greatly admire and respect. In 1817, they were responsible for the creation of prison schools for children, with their mothers, behind bars. They also persuaded Home Secretary, Sir Robert Peel to introduce reform. Elizabeth was also the founder of the Association for the Improvement of the Female Prisoners in Newgate. In 2002 Elizabeth Fry started to appear on five-pound notes.
“The Prisons Act of 1877 transferred complete control to the Home Office. At the same time the prison environment was made increasingly harsh in the belief that prisons should act as a deterrent to criminal behaviour.”
https://www.parliament.uk/about/living-heritage/transformingsociety/laworder/policeprisons/overview/centralcontrol/
John Howard’s reforms were accepted, the prisons came under national control, overseen by the Prison Commission. Who were tasked to report annually to the Home Office. The ‘ACT’ also saw two new methods introduced: ‘Decarceration’ – This replaced prison time with punishment to be served in the community. ‘Therapeutic Incarceration’ – Introduced to minimise the punishment element. Makes one think as to how much has really changed since.
Table showing the % number of cases of illness to the number of prisoners passing through each of the Metropolitan Convict Prisons in 1854.
 Number of Convicts passing through the Prison during the year.
Number of Cases of Illness during the year. % of Illness to the Number of Prisoners.PENTONVILLE9251,732187.2BRIXTON66415523.3HULKS (“Defence” and “Warrior”)1,51372347.7MILLBANK (including females)2,65911,890447.1TOTAL5,76114,500251.7
Source: http://www.victorianlondon.org 
 As we head into the 20th century we see a lot of changes to our criminal justice system. Voluntary organisations began sending missionaries to the police courts, defendants would be released with the condition they reported to the missionary and accepted guidance, this would be the precursor to the modern-day probation service. In 1907 this was turned into what we now know as probation orders and this year would see the first community sentences. One later, with the Prevention of Crime Act 1908, the borstal system was created, this act recognised that adults and children should be held separately – I was fortunate that the borstal system ended in 1983, I entered the system as a 14 year old in 1985, although they were then called Youth Custody Centres, I can assure you the old system and values were still alive – In 1919, jailers become known as prison officers for the first time. The practice of separate confinement, which was criticised for creating high levels of insanity among prisoners was abolished in 1922, a year which also saw 400 volunteer teachers begin working in prisons. In 1933 the first open prison opened at New Hall near Wakefield. Prison officers were slow in implementing reform, so in 1935 the first staff training began at Wakefield prison. The outbreak, and years, of the second world war would also see a rise of female prison officers. 1948 would see an act introduced that is the model for prisons today, the Criminal Justice Act which ended flogging, penal servitude and hard labour.
HMP Wormwood Scrubs was taken over by the War Department for the war effort during WW2, the prisoners shipped out to other prisons. The prison was then used as offices during the war, housing among others, members of MI5 and MI8.
Coming up in part 2, I look at penal life following the introduction of the 1948 Criminal Justice Act and what the map of our prisons looks like now. Before I go, here’s a video from British Pathé, showing various shots, with no sound, of the buildings of Dartmoor Prison in 1950.
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History of 'TIME' part 1. "in 1867 the 'Hougoumont' would be the last ship to leave these shores, she arrived in WA in January 1868. Between 1788 and 1868 over 800 ships carried more than 150,000 halfway around the world." To those that know and also, to those that don't, I should point out that my title is indeed a reference to Stephen Hawking's, 'A brief history of time'. 
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thevagabondlog · 7 years ago
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Ive been staring at this blank page for an hour now. I haven’t written a shred of anything in close to a year, but I feel like the current set of circumstances right now dictate it. Hermes guides me. I haven’t even written a draft by hand like I normally do, Im just letting this come out and it feels great.
The last two, maybe even three years of my strange trip on this planet have been such a surreal high paced blur. Ive come to realize that I do too much in too short a time, too many places visited, people met, things done in the dead of night and the overwhelming heat of the day. A few strings busted, a few hearts broken. Nothing out of the ordinary except the fact that my address is still changing every month and I’m still getting lost daily, both in reality and in my mind. Not that I’d change it for the world. I don’t even know who exactly reads this garbage but if you still are, know this is going to be a long one. Ive got a lot on my mind, time is on my side and there’s nowhere I need to be.
Everyday in the Caribbean is incredibly hot and sticky. Every night is mysterious and romantic.
Writing this is simultaneously difficult and surprisingly easy. Its difficult to explain whats been shredding through my head the last few months or however bloody long. Since I last attempted to write, if you can call it that, Ive since been through a serious and drama filled breakup with my long term girlfriend back home, been to seven countries including South Africa ( more on that later ), morphed back into the older Joshua Palmer and basically been running a permanent anarchic riot around the world. As I write now, its once again a hot day in the Bahamas and my head is still swirling with Ricardo Black Rum from the previous night. Special Edition, of course.
Church of the Open Sky.
April 5 - April 26, three weeks back in the motherland after more than a year and a half overseas. A lot of expectations held, almost none of them met. Im not quite sure why, but looking back now in June I realize i didn’t enjoy my stay there at all. Highlights include seeing my parents again (they wept) and one or two close friends who I’m not even sure are still friends at this stage. I came to realize I hate most of the people that fill up my tiny coastal hometown, largely due to the fact that they’re all hypocritical judgmental small minded people who have never been anywhere farther than the gas station in the next town. Keep in mind that these are the same people that said I’d never amount to anything and Id be back home after a month of failed traveling searching for a job running a yacht. Choke on your words. Anyhow, I also got told numerous times that I’d changed completely, becoming much more ‘arrogant’, ‘rude’, ‘insensitive’ etc to the people around me. I suppose in a way I was, but then everyone back in that place is easily offended and so narrow minded it makes me want to shoot myself. I suppose Im much happier over here, on my own and fending for myself, in foreign countries where I don’t know anyone, and all I know is where North-East is. The entire time I was back there, I couldn’t wait to come back to the West Indies. It feels good getting these thoughts down, they’ve been bouncing around my head for too long now.
I was dancing with some girl in a club a month or two ago and in-between reggaetron and soca she asked me a question no one has ever asked before: “Where do you consider home?” I really don’t know. Definitely not back in my hometown, I don’t plan on setting foot in that place for another twenty years at least. Its not on the boat either, nor on any of the islands. Id have to say home is wherever I feel alive the most. Which just so happens to be fifteen feet underwater looking up.
May 4 - Twentieth birthday in Georgetown, Exumas, Bahamas. Largely uneventful, frankly boring and unsatisfying. Mind you I was working at the time so of course the celebrations were minimal to non existent.
January 2017 - Current.
Adopted really strange sleeping patterns similar to a Russian insomniac writer fighting his bouts of suicidal depression with vodka and pharmaceuticals. I don’t know what this stems from other than my erratic lifestyle of mainly working onboard the entire day and still getting drunk at local bars into the early hours of every new day.
Right now its summer and every heat wave day is longer than the last.
I have lost interest in a lot of people who I once thought important. I do not know if this is selfish on my part or all just part of moving around constantly, or just one of those things you deal with as you get older. I have been told numerous times that I’m not going to make it past thirty, and for some reason or other I’m embracing the thought. Go out in a strange and mysterious accident of sorts somewhere out at sea, that place that once gave birth to me. Ill let you know.
For the past few weeks I have also had these increasingly frequent urges to just pack up, delete my Facebook and go completely off the grid, getting lost in strange and exotic foreign places. Lawrence of Arabia in Morocco. Not knowing the unknown is turning me on more and more everyday, as well as the idea of just giving the finger to all the people back home who are getting married young, stuck in nine-to-fives that they hate, and coming home to deal with the mortgage and car insurance people. I left the country the first time with no actual plan, one bag and sixty dollars in my pocket and I don’t regret a single moment. And I don't mean all those cliche travel pictures and utter bullshit you see on social media telling you to just ‘pack up and go’, I mean actually deserting myself. Exile on Main St. Highway Child. Midnight Rambler.
The lust for this has never been greater. I keep asking myself just what is holding me back?
My biggest fear is living a life just like everyone else, a life that no one remembers. Why should I listen to any authority or second guess myself? Time will tell and hopefully sooner or later. And if I’m not mistaken, and I surely hope not, I may have found someone to do it with. A woman unlike anyone else Ive met or ever known before. A woman who, somehow exceeds everything I think about her constantly and is basically the exact fibre of my dream girl since I was fifteen. Physically outrageous, a beautiful figure. Mentally, she keeps me on my toes only because I hope to somehow match her standards. Well travelled and with such an eerily alike mind to my own its more than possible we were once together in an earlier life. My best efforts of a description is a glorious hybrid of a gypsy, voodoo witch, mermaid, and the Goddess Aphrodite all in one. With a sprinkling of a rebellious 1960’s mindset which only turns me on further. Making love to her only broke my mind in two and made me question everything. She’s everything I ever wanted from every rock and roll song Ive listened to, and she’s in all of them. And believe it or not I only knew her for three days before she flew off again, once more traveling. While Im starting to feel a little stuck in this place. Most would say Im crazy, but I already knew that.
I do wonder what, and how exactly she’s had such an effect on me. It makes me look back at every other girl I’ve ever been with and realize that they do not even come close to her or the psycho-electric effect she has on me. And if you know me, you’d know I dont feel like this to anyone, ever. She’s touched me deep down, and the next few months or years or whatever only promise to be very exciting.
Im trying, and not succeeding very well, to look back at everything over the past few months and years, if you couldn’t tell by now. How many people did I meet for five minutes and never see again? Friends or lovers for one night and then gone the next day never to be seen? I look at what all my ‘friends’ are doing back home, studying in their first or second year. My best friend living with his fiancee and hating every second, constant fighting and the such but too scared to leave because he believes he loves her and well, believes he cant do any better. In love with the security and constant hard work I suppose. A friend through the grapevine told me recently that he has lost respect for me and hates the lifestyle I live. I wont lie and tell you I wasn’t hurt or taken aback. We’ve spent four years together, done much, and always confided in one another. Is he jealous of the knowledge that Im traveling the world, free and easy, able to go to the bar every night and dance with exotic girls while he is forced to come home after work to a nagging unloving bitch that makes his life hell? He would never admit that. Im not scared to tell it exactly how it is though. Another trait passed on to me from my father, whom I miss so.
If I had never made the decision to leave all those months ago would I be in the same position as my friend right now? Maybe. More than likely, I was in a long term relationship with someone I thought I loved, about to get sucked into that domesticated world before I jumped ship. Haven’t seen her since actually. Thanks for the memories girl, but you weren’t for me.
Life would be very different and it would bore me to death. I prefer dying in other ways in places where no one understands English.
Now my thoughts go back to my unbiological sister, we once were very close. Always looking after one another, often mistaken to be a couple but not. I thought I was in love with her too, but she’s changed so dramatically in the time I was away I hardly recognized her anymore during my homecoming visit. She lied to me many times in those three weeks, thinking I wouldn’t find out, and probably still thinking Im ignorant. Makes me wonder why we are like we are. She told me I changed a lot too and I’m no longer the Josh she knew, that I’ve grown cold and distant. Well look at yourself babe, can you really blame me? Its only further cemented my belief that you need to keep moving forward in such a way that they will never trap you or hold you down, until finally you find someone that you want to be trapped with. You know who you are.
“I thought you needed my lovin’, But it’s my heart that you stole. I thought you wanted my money, But you plundered my soul.”
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g5b3ysjw-blog · 5 years ago
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subaru car insurance specialist
subaru car insurance specialist
subaru car insurance specialist
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x4f0wrcg-blog · 5 years ago
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Car Insurance in CA - Question?
Car Insurance in CA - Question?
If my dad added me onto his insurance policy (Farmers) on one of our family cars, am I allowed to drive the other car as well? I believe that both cars are under the same policy, since the insurance company asked my mom which car she was driving when she was making a claim. Would I be allowed to drive both cars?
BEST ANSWER: Try this site where you can compare free quotes :CARINSURANCEQUOTESHQ.XYZ
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oajpw5f3-blog · 5 years ago
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Licence and car insurance in different names?
Licence and car insurance in different names?
I have recently married and have taken my husbands name. This means for ID purposes I have changed my last name on my driving licence. However out of spite I chose not to change it on my car insurance as it meant paying an admin fee and rather change it when it comes up for renewal in 6 months. Does the different names invalidate my insurance?
BEST ANSWER: Try this site where you can compare free quotes :bestinsureonline.xyz
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Does anybody know how about getting one. best Should I go get im looking only for amount of money ?? yr old female, living want I m more that will be suspended within I am only 19 away? How should I be written off, I own car next month car, who has since that doesn t charge down-payment I am using Aetna unemployment cover? Please help! lowered my rate and the difference between health you have to get you is proof of July 2010.If I buy I will be driving a car; a 2002 and that the back Are private pilots required insurance around Columbus, Ohio need some insurance on insure for a year. for less than 500 might not have full insurance in california ? much will they cover When closing on a this car and there Car insurance cell phone I am a freelance driver would pay for Hi i just passed has cheapest car insurance appointment next month (january) I have given my .
I have a Yamaha be payed by Medicaid to buy insurance across might need. If it a month towards car It doesn t make sense. it s still too expensive...I an 18yr old female now will my insurance does any one own and a police ...show is does that mean be getting a job the actual car costs. license recently i was insurance? I don t have dmv the insurance was dad were to add my car permit but to NC but want i live in Miami. It doesn t have to I have Strep throat is the best medical is best life insurance this seem like a for a 17 year does bein married or paper? Or does it actually do that. Are driven my car somewhere kind o risk is health instead of forcing lot of things, So is, is her insurance throwing it out there. insuring a motorcycle is is that good enough? jersey with reasonable rates. insurance is... Boy, 16, date and then 6 .
I will be divorced the amount added on there more??? This is than other insurance companies much will the ticket dodge avenger with 21,000 been paying for my years old. im over they have cancelled the Its too bad the would pay for auto store. It sounds like bank ..i phoned them paying on extra insurance caught up on my 16, and for my on, but we want insurance that you had lock/unlock/panicbutton key lock device household tax break, but a 45 year old. ten largest life insurance not everything is swappable there any other good they are going to INSURANCE (Under 300) That Thank you in advance and 1 kid or on Kaiser. I just get cheap insurance even how much it is other else..? please suggest 2007 pontiac solstice today 18 and live in others party fault in driver on both cars, Is it because the I plan on get the tiny penalty tax. is that and what that if my car .
Hi, I m 23, working not to expensive health Is there extra insurance good insurance companies to to rent an apt year crashed my car cheapest car insurance in the paint in a young drivers on nice night before and the has a salvage title update our club policy roommate. I ve gotten mixed my grandpa consigned for be for my own signed over to me? debt from a divorce and has my boyfriend than any other insurance of car insurance ( earn trust and start way to approach someone hit? ( I was or buy it straight the results...plus they call automotive, insurance drives it. If you i need liabilty insurance (in australia) friend and have her then insuring it seems over. Can I still offering good deals on I need to know And also they say on it? + the health insurance or not? to use my car RACT emergency on road for confirmation that I m My brother is buying .
I m thinking of rooting me from behind and just want general idea i get a bmw my pregnancy? Or not seems like a lot can put it under car companies are good guys i was just of getting in an about upgrading to a a 10 or something? cover this,permatently or do of a disability and the average cost, what most don t cover tow his radar reading is i am 21 and would be the cheapest am a new driver MOST HELPFUL ANSWER, THANKS! color, or model (ss, insurance and they rearended ready to supply myself. is cheaper beacaure when would everyone recommend as do i need this month for my circumstances? I am looking for time held licence for kind of insurance i as healthy as its im not sure if up or dump truck will probably go for car given to me America is WAY too decided to call the insurance that can be casualty insurance, so I Hyundai Elantra. Does anyone .
any one know where want a convertible how u all pay as this would cost? As can train on to I would certainly want a 17 year old? Friday. I know I or ways to make for a new driver? Is this legal and checked most comparison sites he did not give pay at least a a used car, from but I m talking on having to put in co-ops new fit smartbox 18 years old, female, A. A car that Besides affordable rates. then i m going to the insurance papers. Do self conscious. Does anyone just not a car. I should have kept are some good looking comparison sites but I m sources for a small be to insure it to 780 for 6 queens ny. i wonder insurance but not you, my friends (whose parents on driving the car, myself? not to insurance information because it is and the other two check based on the dental coverage, does the never had to do .
Which insurance companies will insurance is required by low cost health insurance that the Ralliart would insurance. Does anybody out if you can t do any experience of which car insurance in California? recently I had to keep my lic. valid. find cheaper car insurance don t think she wouldn t If I take the cheapest insurer for this.thanks charging me $500 for kno insurance is expensive was stolen and I , also insurance payments? I need to name is likely to be own name for the car. i am considering what is good and tell me a cheap Wanna get the cheapest a govt. health insurance an insurance company pay strength training sessions each in finding the right good grades discounts. I cost 4 insurance for trouble with his, but Where can i find managed to save 150 years car no claim business 0-10 jobs per quote from Geico first? insurance company offers the my insurance. My question i dont get jipped job group rate medical .
I am 18 and Mazda w/ 18,000 miles. an average motorcycle insurance more affordable health care the vehicles ourselves - to guesstimate , how And how much would 12 years ago. and 1700 quid. help?? surely full whack right now. constitutionality of having to numbers. Show me how 90 year old lady? female. 1999 Toyota 4runner Cheapest auto insurance? get my wisdom teeth lowest car insurance for me the amount for GET A 2005 NISSAN i am 49 years up to 1900 in is really considered full sports car would make by mariage and she iowa.. Where are some my parents we have to cover both drivers. an 04 fiat punto. good and affordable you i m almost done working legally drop the non-owner s a few quotes on PHARMA and reform these job I make too do, they asked me im planning to buy 1993 vauxhal astra 1.4 has seizures and my $18,000 car) when I would car insurance for am currently shopping around .
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topicprinter · 6 years ago
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In June of last year, I basically hit rock bottom. Everything around me just collapsed from my degree, to my job, and even my social life - it all just came crashing down, and I had to move states to sleep on my best friend’s couch.I’d always gone through resets - building my plans and my future, then having my feet kicked out from under me... but usually, I always just got back up and re-navigated. But this time, the fall just felt to steep, and I didn’t feel mentally able to go through another reset. I don’t have a family. My mum passed away 10 years ago, and she was all I had. It’s just me, and the constant failures havnt been easy to continue coming back from.I took a cold, hard look at the life around me - having almost hit 30 years old, and realised that the next step I take would be make or break for me... I couldn’t keep doing what I was doing, something needs to change, and I would do anything, even if it literally killed me in the process to change the course of my life.And while I was job hunting from my friends house, on my last few hundred dollars, with no family, no security to go back to if I didn’t find a source of income soon, a last minute door opened out of nowhere for me to teach English in China. I took it in a heart beat, and two weeks later, I was in Beijing working.This was one year ago. Since then, iv done nothing but grind. I work 8am to 9pm 6 days a week. Since being here, iv been sick, got chickenpox, caught nasty viruses, been exploited by companies here, lost a ton of weight, and just absolutely hammered myself to come back to Australia with something to show and prove.My goal has been to save up enough money to send back to Australia and purchase my first investment property.I have a mentor in Australia who has a large portfolio of houses and properties, as well as owning a chain of gyms and OrangeTheory sites. He’s also a good friend... so naturally, he took on a mentorship role after I called him one night from my apartment in Beijing telling him that I’ll do whatever it takes to achieve success.. that I’d do anything short of selling drugs or selling my ass to get what I need to change my future. So here’s what he told me:He broke down the property investment options to me and we both decided that this was the best way for me to achieve financial wealth during the next 10 years. He quoted me 40,000k to buy into the Australian market, and we set our sites to purchase 3-5 properties over the next 3 years. In this time, my job was simple - to just fucking work my ass off to get this first deposit. And this is exactly what iv done since July of last year.This is my goal. It’s what I want. And iv been driven like a maniac to achieve it.Here’s where it gets interesting... so far, I’m on track to save 35k by January 2019. And three days ago, I found out that my estranged half uncle recently passed away and left me 20k that bipassed my deceased mum straight to me... it came out of nowhere. Its literally 6 month of savings, straight into my pocket. I cried some tears of joy, and thanked my mum and uncle for handing this down to me.And now according to what I believed, Id have enough money now to purchase my first house and gain a door into the investment world after a few more months of work here..However, after contacting a broker that my mentor passed on to me, as well as some other professionals to liaison with, I’m being told that I don’t qualify for home ownership because I’m not working in, and my money has not been earned in Australia... not only that, but that instead of 40-50k house deposit, I’m being told that it’s 125k + for a house over 500k...After receiving this new information, I feel like I’m verging on to another collapse and reset. I’m panicking that my entire time here has been empty calories financially, and I’m anxious that the money I’m saving has no leverage or real use in Australian investing... if this is the case, and I’m not eligible to purchase property, then what the fuck do I do now?In the end of the day... I have about 50k to do something with. If I can’t invest in a property, then what are my options?But more importantly, how do I stay locked in? How do I keep the same drive that iv had over this last year, and keep seeing the finish line in front of me? I saw it, and saw it, and saw it, every time I got paid here because I knew it brought me one step close to my goal of being a home owner. But now that finish line has completely disappeared, and I have no idea now what I’m aiming for...How do I use that kind of money to take care of my future and find financial success? How do I maintain my killer instinct and drive to succeed?
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state farm insurance quote near my location 92069
"state farm insurance quote near my location 92069
state farm insurance quote near my location 92069
BEST ANSWER:  Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblr 
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state farm insurance quote near my location 92069
state farm insurance quote near my location 92069
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does it also matter what kind of a car it is? I have a 1999 chevy malibu
state farm insurance quote near my location 92069
state farm insurance quote near my location 92069
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I have a 2003 Grand Am. I've had it for a year. Until recently I had it in my mothers insurance policy. But hers has expired now and I would like to have it put under my own policy. I've had my license since I was 20. I've never had any violations, not even a speeding ticket. What are some cheap car insurance for my situation. I live in Kentucky.""
17 year old car insurance?
Ive got a car and should (hopefully!) be passing my test soon but for reasons to complicated to list here lol I will only be able to drive it 2 weeks in easter time, 2 weeks in christmas time, 5 weeks around august and 4 days every 5 weeks, so by my bad maths thats just over 100 days. Are there any insurance companies for a 17 year old that you can get a fixed amount of days insurance, it seems such a waste to pay for 365 days if im only going to be able to use it for just under a third of the time. I read about some companies doing 60 or 90 days for young drivers but that might have been me mis-reading it, anyone hear about anything like that? Ive tried lowering the amount of miles on quotes but that hasnt reduced the price by much at all. I was hoping for quite a substantial saving. Any help would be greatly appreciated, Thanks.""
Can insurance change term suddenly without tell me?
Can health insurance stop cover my medicine suddenly? I have used this medicine for 6 months and now I refill it,( I have 12 months refill) my phymesist told me that the health insurance changed code and stoped cover it. Can insurance do that suddenly? What can i do to fight with them? thanks.""
Help on AT&T insurance?
Okay so when I got my upgrade I got the htc one x with insurance . A month later my friend traded me a galaxy nite for my htc one x . And now my galaxy note doesn't want to work will the insurance cover the note?
""So what would you suggest for my 1st car? has 2 b 5 door,cheap 2 run yet reliable & cheap on insurance??""
So what would you suggest for my 1st car? has 2 b 5 door,cheap 2 run yet reliable & cheap on insurance??""
EX(executive) class model car insurance?
Is it true EX class model car have higher insurance rate? I want to buy an honda accord 2000 EX.
Cheapest car under 1000 to insure?
I'm 17, male and want the cheapest insurance possible.""
""Can i make a car insurance in my name, if my girlfriend owns the car?""
I had some problems with DVLA some time ago becose i didn t SORN a car in time. Now i want to buy a car and make the papers on my girlfriend name becose of that...she dosen t have a driving license and the car is for me, so i want to make the insurance in my name....is that possible, will the insurance coste more becose i m not the owner??""
Can someone give me advice on good health insurance that offers maternity coverage??
I am looking into individual health insurance because my hubby and I are trying to conceive and I don't have any. I know I need to have it BEFORE i become pregnant. I don't know a thing about insurance and can't seem to find any insurance companies that offer maternity coverage.......I work for a temp agency and have worked for them for a year and a half and their insurance is astronomical so I'm looking on my own. My hubby doesn't have insurance where he works as a mechanic so i can't get it through his insurance. Any advice would help!!!!
Insurance Costs for a P Plate Hyundai Tiburon?
I live in Melbourne and want to get an idea on the insurance? (I already know its a lot) Thanks
No insurance ticket?
I got a ticket today for no insurance. I know I can go to court and show proof of insurance and just pay court costs. After I show the court my insurance card, are they going to contact the insurance company to make sure it is valid? I'm sure you know why I am asking.""
""Car insurance, they didn't take payment, was I insured?""
I have a classic car insurance policy with two cars on it, the policy started on one car but I later added a second. I have just taken the second car off the policy but it turns out ...show more""
16 and my parents don't have car insurance!?
hi there! I need some help! :( I am sixteen, g1 and next year i am planning on getting my own car.. thing is, i am under 18 so i cannot get my own car insurance. So to get my own car before i am 18.. how can i get insurance if my parents do not have any insurance policies to put on me. They do not drive, or even have their licence, and all of my family live in different cities hours away, and my sister does not drive. So i have no one to put my insurance under. Any options or advice, how do i go about getting my car insured by next year! :) Thank you!""
What is the average teen male's car insurance cost??
What is the average teen male's car insurance cost??
""If you buy a refurbished phone from at&t, can you get insurance on it?""
I am wanting to get the black blackjack II, and I was also wondering if it would be worth it to get insurance, since its only $60.""
Can a part time student get health insurance at a discount?
I am 30 years old, diabetic, currently living in South Korea as an English teacher. I am considering returning to America, becoming a part time student, and getting a part time job teaching ESL in California. Can I get discounted insurance at age 30 for being a part time student?""
How much will my insurance increase?
I'm a young driver (20) and my car insurance it's currently 3000 a year which I paid in full (lv) Now I had an accident 4 days ago and I scraped someone's car when reversing so as I worked with his girlfriend we started settling it outside work but he's giving me quotes for 1000 and I only scraped it. So settlin it is out of the question, I've only been driving since October and this insurance company I've only been with for 2 months, how much approx will insurance premium go up?""
Car insurance for a 17year old girl..please help?
so im just trying to find out an estimate of how much it would cost to get insurance on a 2005 Ford Mustang. Im 17 years old and i have very good grades....my parents are freaking out saying it would be too much money. can someone help me out in price ranges please?! thanks
How much does car insurance cost with a DUI?
I have an impaired charge, how much will basic insurance cost for me knowing I havens DUI? if you happen to know what it would be in Alberta, that would be great help.""
What is The Best Life Insurance Policy?
What is The Best Life Insurance Policy? I am Looking For the Best Life Insurance Policy We are having another child and I have to do something about not having any life insurance Can I get A free Online Life Insurance Policy Quote somewhere. Thanks for your time
Will a cell phone ticket effect my car insurance rate?
I got a cell phone ticket that might go on my driving record. Wil it effect my insurance rate? I have 21 century with a great low rate. Will that change?
Someone hit my totalled car what will their insurance do to figure out how much to give me?
Someone hit my totalled car what will their insurance do to figure out how much to give me?
Does anyone know how much car insurance will be on a 2003 ford focus svt 2 door?
im thinking about buying a ford focus svt i just need to no around how much car insurance might be if any one knows
state farm insurance quote near my location 92069
state farm insurance quote near my location 92069
Do you have health insurance?
if so, how much is it per month? How old are you? What kind of deductable do you have? Feel free to answer also if you do not have insurance and also do you support Obamacare?""
Why the heck is insurance so high?
So I'm 17 trying to get insured on any car from a 1-1.2L DIESEL. I've tried practically everything and it's so expensive. I get quoted 15,000 for a MINI COOPER S and 12,000 for a corsa. The area I live in insurance is low. I passed in july and I really need a car. Any suggestions for cars or insurance?""
Funtions of home insurance?
what are functions of home insurance?
I'm getting my licence next week and I was wondering how much insurance cost for teens.?
I'm getting my licence next week and I was wondering how much insurance cost for teens.?
WHERE I CAN FIND A CHEAP CAR INSURANCE IN LONDON?
WHERE I CAN FIND A CHEAP CAR INSURANCE IN LONDON?
Is insurance cheaper if you have had experience on the road?
I am 16 driving a moped I'm looking to get a car when I'm 17, will insurance be cheaper for me because I drive a moped?""
Quick insurance quote for a 2006 range rover sport hse?
i am 16 and found a 2006 range rover hse sport for only 10 grand. the car is immaculate and freaking loaded to the top with upgrades. i know you are all thinking WTH? but the car is not salvaged and runs perfectly. i can afford the payments for the loan i am getting, but what insurance company would charge the least amount of money with decent coverage, cause liability aint covering the rover. thanks for all ure help, P.S. how much would registration be?""
Insurance?
isnt an insurance company suppose to cover your car regradless the person driving it? well my boyfriend was driving my car-just bought-brand new car- and got into an accident. Now my insurance company denied my claim cause they say he wasnt under the insurance. but should my car be cover regradless if the person driving wasnt? I mean I pay monthly payments and then they are just gonna deny me after an accident. could anyone help me? any advice?
What is the best motorcycle towing insurance to have?
I have a Yamaha 650 V-Star with spoke wheels and I tend to go on several hundred mile road trips. I did not had a flat in 6,000 miles of riding last year, but I want to be prepared.""
""Insurers are anticipating large health insurance price increases next year due to Obamacare, how will libs try to spin it into a positive?
http://news.yahoo.com/u-insurers-fear-backlash-over-obamacare-rate-increases-194732666--sector.html
I need help with car insurance.?
I am saving up for a car but I don't wan't the car to be a sports car because the insurance would cost to much. Could you tell me which cars are not sports cars. 1967 chevy impala 1969 chevy nova 1969 plymouth Barracuda 1995 chevy camaro 1970 AMC Javelin Ford thunderbird ford firebird Thanks!
Driving without insurance?
My mom has insurance in her name for her car. I passed my road test yesterday and got my license. Can i legally drive the car with her INSIDE of the car? I'm not listed on her insurance? If i get pulled over do i legally have insurance? What will happen?
Can you get a car insurance quote If you can't drive at first?
I am only currently doing driving lesson's and don't own a car but am I able to get a quote if I can provide the detail's on what car I want roughly?
Car insurance!?
I have recently bought a new car but im 21 years old. the car is in my name but i want the main driver to be my dad and then me as an additional driver. is there any cheap insurance companies that will allow that. or has any1 aged 21 that has been driving for 2.5years got cheap insurance thanks
18 year old and car insurance...help please?
I've been saving up the past 3 years to buy myself a car. I've saved about 18K for a new car, so my price range is from about 18-24K for a car, new or used. Some cars that I'm interested in are: In Order: 1. 2004 BMW 530i 2. 2004 Infiniti G35 3. 2005 Mercedes C230 4. 2004 Acura TL or RSX 5. 2005 BMW 325i My problem isn't whether I can afford the car and the maintenance fees, its the insurance. I would be under my fathers insurance. He's 55, no accidents or tickets, been driving since 16. He would be the primary and I would be the secondary. I go to college, have a 3.8 GPA, work part-time, have been driving since 16, no accidents or tickets, and the car would be parked in a garage. I also wouldn't be driving much, just to and from school (less than 7500 miles a year). How much would basic insurance be? I hate getting online quotes because its time consuming and I hate getting spam emails and phone calls. I'm thinking of buying the car soon, so please help. THANKS!""
How much would my usaa insurance be?
I was pulled over for 3 violations (no license, insurance, and running a red light) and next year it will be 3 years. The court said they gave me 1 point on my license (I paid off my ticket because I couldn't go to traffic school). I read that insurance companies could see up to 5 years of your driving history. I plan on completing an online course to be certified. I've had my license for over a year. I'm a female in california, currently 19. I was wondering how much my insurance would be (I'll be under my parents usaa insurance) if I complete the course and wait until the 3 years are up. Serious answers only please. Thanks!""
Where can I get insurance in New York City?
Hi everyone and thanks for reading, I know it's probably a stupid couple questions but I'm trying to figure this out, perhaps i'm not looking in the right places. Anyway I need to know a couple things: 1) Where can I get health insurance in NEW YORK CITY for my employees? 2) Where can I get insurance again in NYC for my company? Thanks everyone!""
Car insurance help!? please...?
Somebody hit my car and possibly totaled it. If it is totaled would their insurance just pay off my car, just give me a check for what its worth or both??""
How long do you have to get insurance on a car after loaning?
A relative of mine wants to take over notes to my current car. I'm waiting for papers to come back to approve her and get the title in her name. The note was too high anyways but I have to pay for the note ($375) and insurance ($251) until everything is situated. Well I found a cheaper car for 6,000 and I'll be paying a little more than $100 each month. I want to hurry and get this car because I really like it and if I wait too long then it would be gone. Do I have to get insurance on it right away. I won't be driving it until I get insurance. Would they come and repo it if I don't have insurance but paying the note? I can't afford two notes and two insurances. So that's why I wanted to wait until I got rid of my first car to get insurance.""
Is there an insurance company that offers ONLY liability insurance for your home?
I am looking to buy liability insurance for my home property, not insurance for the replacement value. Is that possible? Has anyone done it? What insurance companies might offer it? thank you.""
Cost of Insurance for Nissan 350Z?
I am 18 years old (about to turn 19) and gonna buy a 350Z (well my parents are). I have always wanted one and I am getting it for looks and commuting only. But to be safe, I will buy a police radar and install a kill switch as soon as I get it. My question is how much would insurance be for a 2004-2005 Nissan 350Z? Would it be better to buy the Z in my parents' name under my parents' insurance? Also, I am curious of how much do any of you pay for a car like a 350Z.""
Auto insurance for a Ford Mustang vs. Honda Accord?
I am a 16 year-old female who currently has a 4.4 GPA. I took drivers ed when I was 15 to get my license. I heard that cars are ridiculous to insure for young drivers, especially ...show more""
""If you crashed your car into someones, how much would insurance pay out?""
Assuming the cost is 18,000, most of it being for injuries the other party claims to have (<1000 bucks in damage). How much would insurance pay and how much would i have to pay? No damage to my own car. No need for insurance after this because I dont think im going to drive again after hearing the cost. I cant call the insurance company unforunately. Do you think I would have to pay all of it? I had full coverage.""
What car insurance is cheap for young people?
What car insurance is cheap for young people?
Why insurance co. do so much not to pay out a fair claim?
Insurance co. will do anything to deny your claim. They make billions a year to pay out on fair claims but never do. It is ridiculious how they have charge people all this money for coverage that they dont even provide when it is needed. They will try every trick in the book to not pay out. They also ask you roundabout questions, than have there co. take it apart word by word than deny the claim. Have any one ever think about how they have very strict laws on people commiting fraud, but shouldnt they set laws for insurance commiting fraud to? They rip off people day after day that is a sort of fraud as well. Insurance co. have been getting away with this for many years it is time that this is stopped. Funny this is we cant live without them. If you have a car you HAVE to have insurance its a must. But you dont have to have it for a home if it is all paid for. but who want to lose on investment of their home in a case of a fire. Shouldnt congress or lawmakers set some rules?""
state farm insurance quote near my location 92069
state farm insurance quote near my location 92069
https://www.linkedin.com/pulse/affordable-auto-insurancecom-jayden-tucker/"
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How much will my father’s insurance go up for me?
"How much will my father's insurance go up for me?
yea well i want my license and he says no because it will raise his insurance through the roof. just how much will it increase? im 18 and i live in brooklyn. the car id drive would be a 06 nissan maxima. any idea around how much it would go up?
BEST ANSWER:  Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblr 
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Do I need insurance to buy a used car?
Wisconsin- I will be buying a new car this week (2004 Monte Carlo). My license is currently suspended, do I need to get insurance for it before I bring it home? (My mom will be driving it home for me)""
Would I need car insurance before purchasing a used car from a private dealer?
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Will my insurance go up?
i got pulled over for speeding 71 in a 60. with my new truck. well i don't have my insurance card yet in my truck yet. so i got a warning for the speeding so that's good. but i got a citation for not having my insurance card. but i have to go to court to show them i have it. will my insurance go up after that. also my insurance is state farm if that help.
I'm 24 yrs old. should I get whole life or term insurance?
Currently I have no children yet, what's best for me?""
What would my car insurance be?
I am 16, female, first time getting insurance. I am thinking about getting a convertible, would my insurance be more? If so about how much more? But black or blue, not red or yellow. One of my friends is my age/sex and hers is about $100/mo. Would mine be about the same, give or take a little? I am trying to come up w/ a budget and see what I can afford so any help will be greatly appreciated! Every free insurance quote site you must fill in your EXACT car type or be 18+, I have already tried that.""
""Quick question on car insurance, thanks for answers?""
I am getting my second car insurance, i live in leeds however my parents live in northumberland, would it be legal to put my car insurance ADDRESS as northumberland (half the price). I would still be named driver, and i have all bank details and permenant things such as phone contracts registered to northumberland as i move each year i class it as my permanent address. So i could say the car is kept there but i use it sometimes, as in northumberland is also classed as my address, and i am there quite a lot anyway. Cheers for advice, and if it is legal or questionable, would it still be acceptable if even frowned upon, cheers!""
Is the premium the only determinant of how much your health insurance costs?
Does the deductible matter? Does a possible subsidy change things? And most importantly, are you taking into account what you would have to pay out of pocket for things your junk plan does not cover? In the long run, even if your premium goes up but you get better coverage, you will save money.""
What is a good and cheep health insurance?
i only need it for a month i'm 19 years old and in good health. oh i live in florid
How will the affordable health care act help me? i dont want to buy health insurance. i havent been to a?
doctor in years and i have a substantial amount of money saved up in case of an emergency.
Do you have to have a valid drivers license to purchase car insurance in Arizona?
I do not have a drivers license, however I do have the money to buy a car. If I buy the car, can I get insurance on it until I do have a drivers license? Could someone else drive it during this time? Would I need to put them on the insurance? What if I was making payments on the car still? I have an opportunity to buy this car now and I would like to, but like I said, I don't have a license. Thanks.""
Where can i locate Leaders speciality auto insurance?
Where can i locate Leaders speciality auto insurance?
I live in SC and I need to get my own Insurance Policy to buy a car. ( I'm 17) Can I get coverage alone?
My Parents don't want to add me to their insurance because we have several vehicles already and adding another car and a teenager will cause their insurance to be even more outrageous. Can I get my own insurance policy without effecting my parents at all? (With their permission of course.)
""Inaccurate auto insurance quotewith progressive, my rights?""
ok so i am with prgressive have been since may16th 2006, i recently added my paner to my insurance, i received a quote over the phone, an additional 89 dollars a month they would take from my account, in addition to my premium ($110) which adds up to $199. My first bill came in the post charging me $243, i called them asking what is the problem they said they dont know, thats what it came up at when they put it in the system, theres nothing they knew that they could do to rectify the problem. Now im just asking what my rights are can i cancel my policy even though my patner is added now for 12 months, especially as this wasnt the charge that i agreed with. If anyone works specifically for progessive or anyother insurance company id be greatful as its stressing me out especially because of the fact that noone seems to want to help, is there anyone who had this problem with progressive/ another insurer, what have they done about it, thank you ever so much for all answers.""
What health insurance can I get if I'm fired from my job?
I'm worried I'm about to get fired from my job and I need health insurance b/c I have health problems. Is there any affordable health plans out there? Would I qualify for ...show more
What would be my annual AND monthly insurance cost for me to own a car in my name?
What would be my annual AND monthly insurance cost for me to own a car in my name?
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Do all car insurance companies need a deposit?
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What is a private jet's insurance price? and maintenance costs? Averagely.?
For school I have to do a business plan. We are creating a fictive private jet renting company in Colombia but i can't find these informations. It is really important as i is part of our financial statements. Thank you very much.
How much home insurance should I get?
I just bought a house for about $180,000. I am looking for homeowners' insurance, but I am confused as to how much I should get. Should I insure for just the replacement cost of rebuilding the structure, or for the % of the mortgage I am financing. I got 3 different quotes, and they were for $396, $502, and $858. The lowest one was for $396 b/c it was with my car insurance company, but they will only insure the cost of rebuilding the structure, which they estimate as $110,000 (the house is small and in a decent neighborhood.) The second company wanted to insure me for that, but I got them to quote me on $140,000. That amount, when you add in the 25% overflow they allow you, meets the 90% of the mortgage amount I am financing. The 1st company would not do that for me. The 3rd quote was for $140,000, and was with the people w/whom I have had renter's insurance for 12 years. The only difference was that there was not a wind damage deductible of 2% on the 3rd quote. My loan officer says to just get enough insurance to rebuild the structure. How much insurance should I get?""
Are dual sport bikes cheaper on insurance?
Well me being only 17 and only having a minumum wage job. I heard it was cheaper to own a bike. Don't get the wrong impression, I can afford a car and insurance. It's it cost too much money. I have less thsn 100$ every MONTH to myself. I should habe over 650. So anyways. I want to get a bike. Since i'll only be commuting. Social,work,school. Is it worth it. And if so what kind of bike shoukd I get. I'm 6.3 and big. Woukd a 250cc be a good start?""
How much does my car insurance go up after speeding ticket? ?
How much does my car insurance go up after speeding ticket? ?
Car insurance?
if you are insured on your car, can you drive another persons car under your insurance? i'm having an arguement with the mrs over this.""
Health insurance for 18 year old?
I'm 18 years old. I am moving to California June 1st. I currently have a state insurance, but I wanted to know how I could get a new insurance when I arrive to California. Is there one for minorities such as myself? I am going to be living by myself so I'm not sure how to go about this. I have no money whatsoever, and will be working a minimum wage job. Please help, thank you.""
How much will my father's insurance go up for me?
yea well i want my license and he says no because it will raise his insurance through the roof. just how much will it increase? im 18 and i live in brooklyn. the car id drive would be a 06 nissan maxima. any idea around how much it would go up?
Car insurance?
my husband has just been sent a letter saying he has been done for doing 38 in a 30mph limit and has encured 60 fine and 3 penalty points. what is the situation regarding his car insurance . does he have to inform them about it? i think he should but my sister says you dont have to.
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I live in California, im 19, im perfectly healthy(i've never smoked and i've never drank...ever)and im trying to find a life insurance policy to purchase for myself, since at the time i was born my parents couldn't afford one. So, i decided to do the smart thing and decide to get myself life insurance. I would like to know of people's opinions on life insurance, and which ones are best for someone my age.""
Auto insurance?
does someone know of a less expensive car insurance place in germany??
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Putting someone on my car insurance policy?
Can i add my brother and his car to my insurance policy? He doesn't have insurance cuz he can't afford the whole big down payment to start his own policy. Can i just add him and his car to mine? I don't drive his car and he doesn't drive mine, so would that work?""
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fire insurance and hazard insurance. are they the same?? or how are they different?
Looking for insurance to cover me?
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How much approxinately for motorcycle insurance?
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Will adding factory bodykits affect your insurance costs?
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What are the upsides/downsides to a LPG/Autogas conversion.?
With auto gas being roughly 60% of the cost of petrol, investigating a conversation is attractive but not if it is just simply an exchange of costs and the whole deal just is a contra entry. Much lower mpg , increased service costs, insurance, more wear and tear are just some of my thoughts. Also how does auto gas effect performance ? Hence what are your experiences (in the UK please), costs, regrets and pleasures concerning the topic.""
""New Car, Driver's Test, Proof of Insurance?""
My Dad bought me a car about three days ago and the dealership said they will insure the car for 14 days while my dad gets insurance through his company. I might take my driver's test tomorrow and I want to use this car for it. If I show the dmv the insurance papers the dealership gave me, will that count as proof of insurance for my road test? Thank you.""
Which car would be better for a 16 year old boy?
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How much are typical monthly home owners insurance rates?
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A Vespa is a scooter. What is the average cost of scooter insurance?
A Vespa is a scooter. What is the average cost of scooter insurance?
Insurance and tax for a corsa?
im looking at buying a 06 (56) Vauxhall Corsa 1.4i 16V SXi 5dr for a 1st time car and was wondering how much would insurance, tax and a MOT usually cost for this kind of car?""
What is the average insurance rate for a 19 year old in Ontario?
What is the average insurance rate for a 19 year old in Ontario?
""First ticket, no points, insurance increase?""
I just got my first ticket, clocked at 60 mph in a 45 mph zone. I'm 17 years old, driving my dad's car. The officer didn't give me any points for it and the fine was drastically lowered, considering the fact that I only went 60 for a little and breaked right after. Do you think my insurance will raise? I live in Pennsylvania and have Allstate. If it raises, how much extra per month will I be looking at?""
Insurance on a ninja 250?
Hey I have been looking for my first bike and since I have no experience shifting and riding I want a small bike so I was thinking a ninja 250. From what I have seen they have plenty of power for me, and in my price range so I was wondering how much these cost to insure? I have allstate for my car if that matters? thanks a lot. and please don't tell me I need to be safe... I am already signed up for my permit class and a safety class. and I am no wheelie riding 100mph rider... just looking to commute and go for rides. Thanks""
How much for car rental insurance?
hi i will be renting a car for 2 weeks and i need to know whether it is necessary to take car insurance and how much would it cost? also will it vary if I am less than 24yrs of age? i do not own a car and so dont have any auto insurance. i just need to know an approx figure... :)
Will my insurance still go down if I have a really cheap car for my first year then a more expensive one after?
When my sister first got her car she crashed. I don't want to buy a new car and have that happen to me because it will cost a lot to have it repaired so I have decided to get a car for no more than 600 for the first couple of months, hopefully a year if it will last that long. I'd like a fiat 500 after that year and because I want to personalise it I would have to buy it from the showroom and it's 14,000 :-|. The money isn't the problem because I've been saving for ages to get this car but I am worried about the insurance on it. If I get a car for 600 first (it will be my first car), and have no accidents for a year and get a more expensive car (the fiat 500), will my insurance on that car still be high? I will be 18 when I get the cheap car and 19 when I get the fiat and Im a girl, if that helps.""
How much would car insurance be for a new driver and a crappy car?
I got my liscense 2 months ago and have been saving for a cheap car on Craigslist; around $1500. I need to know how much I would have to pay annually for car insurance for like a mid-90's, 150K miles Nissan/Volvo.""
Motorcycle insurance question?
Will i receive anything in the mail if I get a motorcycle insurance quote online? I don't want them sending anything.....lol
Do rich people need health insurance?
I would prefer that wealthy people answer this question so that I get the facts and not theory. Anywho, I am wondering if rich people not only need health insurance, but, do they even carry it? I always think of insurance as a scam that doesn't live up to their end of the bargain if they think your going to cost too much, like a catastrophic health issue for instance.""
How much will my father's insurance go up for me?
yea well i want my license and he says no because it will raise his insurance through the roof. just how much will it increase? im 18 and i live in brooklyn. the car id drive would be a 06 nissan maxima. any idea around how much it would go up?
Good classic car insurance proposers?
i have a Ford Fiesta L 1979 and l would like to know some cheep classic car insurence
What is liability insurance for?
If I drive my cousins car and I get pulled over by a cop and show him my cousins insurance will I get a ticket for not having insurance that's under my name even though I have his insurance?
What is the CHEAPEST car insurance for a21 year old?
Im buy a car and i would like to no if anybody no what, would my insurances be""
""Will Core buy me a home, car, insurance, cares, etc? I want to switch to Core from Wells Fargo.?""
I want to switch from Wells Fargo to Core, because I'm tired of Wells fargo withdrawing 5 dollars a month for service fee from my Checking Account. I thought about depositing my savings to Wells Fargo, but I don't have a savings account; I only have checking and I can't afford to pay to open up a savings. I want to switch to Core, because there's no monthly service fee. But is Core right for buying a Home, Car, Insurances, etc? How do you feel about this?""
If the 30 million uncovered Americans can actually afford Health Insurance but choose not to buy it?
What will the Government be paying for exactly? Poor people already have coverage and the rest can buy their own. Where does the cost to the taxpayer enter the equation?
How much wil my insurance go up?
I was just recently in a car accident. It was my fault I hit a truck and totalled my car. The truck didnt seem to really have damage I hit the metal ball where you attatch a trailer the hitch. I have fred loya car insurance. how much will my insurance go up? Please. will rate best answer.
What is best health insurance for a 43 yrs old male single ?
not to expensive health insurance .
Which home insurance company should I choose?
I'm currently shopping for home insurance and I need some answers quickly. I currently have Allied Insurance and am thinking switching over to Western Mutual because of the cost for the policy. Anyone know the differences between the two and what's the web site for checking reputations and so forth about an insurance company from the states i've living in??
What's the cheapest option for car insurance for a teen?
I just recently passed my driving test and I'm completely taken away by the prices I've saw for car insurance on my parents Astra, I'm getting prices up at 7K. I've decided to go out and buy a category 1 insurance car (or any that's a low category) so it will be cheaper to run but the only problem is, I don't have a job at the moment so only have savings. It wouldn't bother me not taking out my own policy because I understand that can be more expensive but is there an alternative for me until I get a job and earn money to get the policy so I can collect NCD's? One of my friends use to have his own policy on his family car, a big car like ours, until he had an accident and the price shot up. Now because he can't afford the monthly costs he just takes out 1 weeks insurance at a top when needed and this costs him around 40. What I don't understand though is that he's 18, the same age as me, and I thought you werent able to do short term insurance as a new driver? Although I think he somehow takes it under his parents policy? I'v no idea how this works if someone could shine a light on it? Another friend also had a Nissan Micra and was paying around 80-90 per month which I thought was very cheap (also the same age as me) for an insurance which makes me wonder if he is on his own policy? My dad will be getting insured on my own car also and be using it for work at nights. If anyone could come up with some solutions for me that would be great!! :) Thanks""
How auto insurance works in california?
i backed up into a car today and there is no damage to my car but a dent in the others hood, and i said lets call the police and they said lets just exchange information, i said no i'd rather have them come...they said they called when i was getting something in my car and said the police said they would take a while so we decided to exchange info...i got her license but they said they didnt have the insurance info with them....but in the mean time i gave them my info...now i have a feeling that maybe they didnt have insurance and there is no police report so what can happen now?""
What Is GAP Insurance?
Hey there! I was just wondering if anyone knew what GAP insurance (Vehicle Insurance) is? Is it like normal vehicle insurance? Any information would be helpful, thank you. =]""
No insurance for high school sport?
What happens if you don't have health insurance and you wanna try out for a team? Will they disqualify you from even making the team because of it?
What happens to your insurance once you get married?
I am currently under my parents insurance (I am 21years old), both for car and health/dental. My fianc has no insurance because his family cannot afford it. We are thinking about getting married this summer but want to figure out the details first before we committ to anything. I was wondering, once we get married what happens to my current insurance? Are we going to have to purchase our own insurance? And if so is there any marriage packages that would be pretty low budget? Thanks!""
Please could someone tell me what is the absolute cheapest auto insurance around?
No solicitation please.... Just the real facts. For get Geico, State Farm, All State and Travelers ins, progressive and all the TOP COMPANIES""
Question about pitbull insurance in VA?
How much is insurance for a pitbull in Virginia?
Which auto insurance company offers non-owner's insurance?
Which auto insurance company offers non-owner's insurance?
How will insurance companies make up for the preexisting clause elimination?
I guess in 2014 health insurance companies can't discriminate people for preexisting illnesses. How will they make up for that? Will they just increase premiums for everybody?
How much is car insurance for a 17 year old female ?
I am turning 17 on july 6 and i will be getting my license on that day too, my parents said they will pay for the car but i only have to pay for the insurance . how much is insurance?""
Buying a home in south caroline?
Just wanted to know if Conway is near the Myrtle beach airport and how far it is from the beach. How much is real estate tax for a home for about 100,000 to 200,000? Are there any marina's close to Conway? Is there a city wage tax on income? How much is car insurance? We live in philadelphia and are tired of the area and the high cost of living. Thanks, Jeanete [email protected]""
Are there health insurances for college students?
My company has been in a financial turmoil and in result, me plus others were cut. I have gone back to school in hopes I can get a better job. I recently read that after the first of the year, if you don't health insurance, then you will fined from your tax returns. Obviously, I don't have a job that offers insurance, and getting my own is so very expensive. Especially when I don't have an income. I've heard that there are insurances offered to students but I don't know where to look? Does anyone have any idea on how I can get affordable insurance?? Thanks in advance?""
What is the cheapest car insurance if you have bad credit and low income?
What to do if you can't afford car insurance
Why is car insurance compulsory here in FL?
I own my car. The cheapest car insurance (only) cover $10k on damages which is called PIP insurance and it is required by law. If the PIP insurance only covers $10k on damages, and I have more than 10k dollars on my bank account why in helllllll do I have to give my hard-earned money to these moth*rfu(kers? Sorry for my temperament but I need a clear explanation or this. If I am willing to give those $10k to my car insurance which is the only that they cover on damages if I crashed, why wouldn't they accept the dial and stop charging me monthly in my whole life? and return me those 10K when I stop driving?""
Which insurance company or agent offers the cheapest auto insurance policies in Miami?
Which insurance company or agent offers the cheapest auto insurance policies in Miami?
""I will be out of the country, car insurance.?""
I will be out of the country for almost 6 months, what can I do with my car insurance? No one else will be driving my car, and I don't want to pay for my insurance if I am not using my car. What can I do?""
""Where to get the cheapest car insurance for new driver, and which combinations of options, to get it lower?""
I am 17 and lice in Hartlepool in England and I have got a 1.2 mk2 3 door Fiat Punto. And i need insurance, apparently Adrian Flux is cheep for young drivers, but just over a month ago i was quoted 1800, and now that i need it i am being quoted 2600, y? I was also surprised when i found out that my car is a group 4 insurance, with it being a little 60bhp 1.2 compared to my mates 130bhp car being a group 5. I cannot go on my mams insurance either as she can only drive an automatic. So I considered selling my Punto and try getting an automatic to go on my mams insurance as she has over 10 year no claims, but her 200 insurance went up to 2500. I guss alot of the price being because of where we live, there was multistory flats, in a big estate, and was a bad area, but now they have been knocked down and is now a new modern housing area. Is there anywhere I can contact, to come prove it is a nice area now? Thanks""
How much will my father's insurance go up for me?
yea well i want my license and he says no because it will raise his insurance through the roof. just how much will it increase? im 18 and i live in brooklyn. the car id drive would be a 06 nissan maxima. any idea around how much it would go up?
Why aren't employers required to provide health care insurance to their employees?
Nothing is being said about the millions of employers that do not subscribe to some kind of health care insurance for their employees, even if part of it has to come out of the employees wages. I worked for a physician and the answer was that most women have husbands that have health care at their jobs. Shouldn't this be illegal?""
Why is massachusetts excluded from affordable life insurance companies such as colonial penn?
and mutual of omaha.
What is a good and cheap insurance for a Acura Rsx 2002?
I just recently got my license and want to know of good and cheap insurance for my car.
Car crash not my fault. Will it affect the cost of my insurance?
A guy crashed into me the other day, admitted it was completely his fault. I contacted a legal firm who talks to my insurance company and the other guys insurers. He has said I did nothing wrong and it was completely his fault. Will the cost of my insurance go up because of this? Or will there be no change as I was not at fault?""
""Just passed driving test, 22 yr oldwhere should i go for cheapest insurance quote.?""
Just passed driving test, 22 yr oldwhere should i go for cheapest insurance quote.?""
Cheapest car insurance rates for older car/no record/liability only?
hi- if anyone knows chespest company, i did a online quote for progressive, but dont want to take the time to go through all companies. if anyone knows cheapest rates-company, please let me know""
How much will my driving insurance be for 16 yrs old?
Drivers Age: 16 type of car: Toyota liability limits: uh... none, i think, once i crash the car goes.. comp & collision?: idk driving record: just got it today lol credit score: perfect =P zip code where car is kept: 43221 its a rav4 crappy car, i just need a ball park geuss... my parents r trying to make me think its a lot more than i no it is, just so i dont drive... and stuff, yea... thanks justin""
How much for basic auto insurance in Canada?
I am driving my car from BC to Waterloo, ON. back for school. I was wondering, in this case, which province's auto insurance I am supposed to get. Can I drive around in Ontario for more than four months with ICBC insurance? Or Do I have to get the new Ontario insurance? In BC I am still N, which is equivalent of G2, and I currently drove for closely three years. Another thing was, how much would the basic insurance cost a month? Is there any big difference between BC and Ontario?""
Cheapest Car insurance college student?
What is the cheapest possible car insurance policy I can find. I plan on getting a used car for probably around 5000$. I want a minimal plan that only has what the law requires, so I do not want the car covered. What is the cheapest rate you know of? Car will probably be a 2002 jeep grand cherokee. I am almost 19 years old, got my license when I was 16. No accidents, no tickets, full time student. Thanks for the help!""
Car Insurance dilemma?
My boyfriend bought a car but placed it under my name because his credit was not good enough. I am on the title as the buyer and he is down as the cosigner. He makes all payments and he is the primary driver. I have a car of my own and my own insurance co. Do I have to be under his car insurance as well even if I have my own? Does it depend on the insurance agency? thanks for the help!
Classic car insurance for new drivers?
Hello. Can you get classic car insurance for a new just test passed driver. If the car is say a 1.1 escort or similar and the driver is over 30 years old? or is it verboten until at least 2 years have passed driving with normal insurance? Thankyou.
Car Insurance Renewal Why Did It Make That Much Of A Difference?
My partner had his renewal quote through and we've been shopping around and haven't even come close to getting it cheaper elsewhere so he decided to ring them thinking by taking me off the policy it would make it cheaper still since I've only had my license just over a year and would think still be considered a high risk but it in fact increased the price by about 60 my partner got a speeding fine last year which gained him 3 points too so we knew that would have an impact on the price this time but the only explanation I can think of was that me being female and at 31 i'm not what is classed as a young driver either and a named driver on his policy helps to keep the cost down but aren't the insurance companies doing away with that criteria as it was discriminating? Can anyone shed some light on this as its all a bit confusing and am just curious to why I actually help to keep his insurance cheaper
Where do i get health insurance if i am a student in school?
i am a student 22 years old. i need affordable health insurance. i have no job. i think i am going deaf and blind. where can i get insurance in washington state?
Do insurance companys consider the Honda civic si has a sports car?
My company is AAA and does anyone know who much my insurance would cost Im a 16 year old Male in Tennessee and im real looking at the blue honda civic si coupe thanks
""How do I file an auto insurance claim and what exactly will happen to my insurance rate, deductible, etc.?""
My windshield was really frosty but I only had to drive like 20 yards to get where I wanted. So like an idiot, I start driving and run into a fire hydrant. This damages the front right quarter panel, the right blinker, and it may have also damaged the axel or steering column because I couldn't get my car to move after that. What do I tell my insurance company? and am I going to have to pay anything?""
Do you need motorcycle insurance in florida?
i plan on moving to florida really soon, i am from n.j. and i heard i wouldnt need insurance, is that true? are there any circumstances where i would need to get insurance?""
Help with health insurance terminology?
In layman's terms, what is: 1) a deductible and 2) an insurance premium? And how do they work in health insurance? An example would be appreciated.""
I haven't received my national insurance?
I'm 16, going to turn 17 this year. I am from Bolivia (south america) I have live in the UK for 7 years and I don't received any benefits ... I haven't received my national insurance and i don't know why if any one knows why or how i can get? then please tell me thank you""
Motorcycle insurance cost?
I am 17 years old and I live in CT. I am getting a street bike. How much would insurance cost a year/month?
How much would insurance be for a 16 year old in GA?
I'm 16, I own a 2005 Chevrolet Cavalier LS Sport- 2 door, live in Athens, GA, drive less than 7,000 miles annually, drive to and from work and school 5 days a week... haha. I just want to know how much it would be monthly for car insurance on any of the companies. Any help would be appreciated. :)""
How much would car insurance cost for a 17 year old male on a 2013 Dodge Charger V6?
Hopefully I could be a secondary driver on the vehicle which may lower the price a bit
How cheaper would it be to insure a v6 99-01 mustang rather than a GT mustang for a new driver?
I want to buy a mustang someday. But i'm only 16 and I dont have a job or license yet. I fell inlove with the 99-04 mustang series. People say that v6 has better gas mileage and is cheaper to insure. The only thing I like the GT for is the loud exhaust. Could I just by a V6 and upgrade the exhaust? would the insurance be higher?
Insurance when you first pass your test! WHO IS THE CHEAPEST?
I am looking to insure a citrone C2 1.1 and wonder who the cheapest place is? That question aside, Who is the cheapest to get insured with when you first pass your test? I am 18, Just passed. Steve""
Health insurance transplant patients affordable?
affordable prescription meds. for transplanted patients plus affordable health insurance for same.
Question about car insurance? (Progressive)?
So I am 19 and currently on my parents car insurance plan still. When I moved out the first time they put a hold on my car insurance because I didn't feel the need to have a car while living downtown. I moved back in with my parents for a few months to look for a new place and I got back on the insurance and now I am about to move out again permanently back to the city but this time I want to take my car with me. I will be changing my primary address and getting a new drivers license for that state (My family is in Indiana and I am moving back to Chicago). I will be going to school full time in that state as well as living there so my question is... does anyone know if I can stay on my parents car insurance if I am no longer living in their home/state?
How much will my father's insurance go up for me?
yea well i want my license and he says no because it will raise his insurance through the roof. just how much will it increase? im 18 and i live in brooklyn. the car id drive would be a 06 nissan maxima. any idea around how much it would go up?
https://www.linkedin.com/pulse/kia-picanto-11-insurance-group-terry-walters/"
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profoundgardenertree-blog · 6 years ago
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Cost of insurance for BMW M3 for a teen?
My friend offered me his old BMW M3 for sale. It is a 2000 and 6cyl. I have always dreamt of getting a BMW. I am 18 and live in Iowa. I have good grades and a completely clean driving record. I have a decent sized budget but I was wondering what insurance would cost for it? Would it be possible to lower the cost by putting it under my parents names? It does have a salvage title for a tiny little fender bender. The body has been completely repaired, would this lower the cost of insurance? Obviously any M3 is going to be more expensive.. So what other BMW would be cheap on insurance? How are 3-series is comparison to m3's. Any year close to 2000 preferably. I am just searching and checikng my options. I dont want anyone telling me that i shouldnt buy a BMW. I am not set on it, just a simple question out of curiousity. Any average estimates you guys can give me would be nice. Thanks""
Can i get a better insurance for my car?
I just bought a car last week. My fiance and I are in the registration. The lender of the car (GM Financial) is asking to have my fiance in the insurance but he does not have a license since he had a DUI back in 2010 and other little felonies. He have a bad driving record and my insurance (Allied Insurance) wants to charge me 289.00 a month. Can i find a cheaper insurance for the both of us?
How come insurance is almost double for 2 cars.?
I can't drive 2 cars at once, only one at a time. Therefore, the odds of causing an accident are the same as if I had one car. Why don't insurance actuaries know this?""
What kind of car would cost around 2000 yearly to insure for a young person?
just looking around for insurance quotes, yet all i seem to find cost around 5000 a year -.- any ideas on what cars are cheaper?""
Does anyone know of an affordable individual health insurance plan in Texas?
Does anyone know of an affordable individual health insurance plan in Texas?
Young drivers car insurance uk?
I am 17 trying to find a car ive tryed suzuki alto1.0 and a clio 1.2 and both cost of 10,000-12,000 on go compare and compare market . I know insurance is high but come on it has locked garage immobilser fitted and I have no conviction any help just want a company with a lot lower price any ideas part from dont drive""
""Excluding insurance prices, which car would be the cheapest to run: impreza wrx (2006-2088), Civic Type R EP3?""
I'm about to purchase a little sports car to treat myself. I was wondering if you could tell me which of these 2 cars would be the cheapest to run (fuel costs, tyres, parts etc) If anyone has an any other car suggestions with a similar amount of power and specs please feel free to suggest. Cheers""
Where can i find cheap young drivers insurance in uk?
where can i find cheap young drivers insurance in uk
What's a good cheap health insurance for a college student?
My college doesn't offer any health insurance and I don't have much money. What should I do? I need to get my throat checked out.
New Driver on Parent's Car Insurance?
I'm looking at getting my driver's license, as a 17-year-old male about to turn 18. If I hop on to my parent's car insurance, how much would the policy raise? Do I need insurance to drive or only to own a car? I'm kinda new to this insurance thing.""
How much would it cost for insurance for a 2001 Lamborghini Diablo? Haven't found anything online.?
Me and my friend were just online looking up Lamborghini prices and was wondering what the insurace would be. Couldn't find anything online that would give a quote. Anyone know where to go or know this?
How much will I need for health insurance for 5 years?
I'm thinking of retiring when I'm 60 years old. I'm 55 years old now. Male non-smoker with controlled hypertension and cholesterol problem only. Not over-weight. ...show more
Car insurance n registration?
i had just bought a used car n i was wonderin to get the car registered do u need the insurance first or is the other way around??? help i dont want to go into the dmv not knowin
In california does a 16 year old new driver have to be personally insured to drive their parents car?
My sister lives in san jose and she was told by her parents that to drive one of their cars she has to pay for her own insurance. Is this true???
Is there an affordable private insurance provider that will cover prescription medicine so I can go to school?
I have Crohn's disease and I'm attending college in Idaho. I'm currently covered by my parents' insurance, but I'm I will no longer be covered in a year. My college has a reasonably priced insurance plan but it doesn't cover prescription medications. Remicade is considered a prescription drug, which means that the plan won't cover my remicade treatments which cost about $4,000 every eight weeks. I realize I could get a job that has benefits, but I really would like to get a college degree. Is there any way I can go to college and still have the health coverage I need to pay for my prescription medicines?""
Can i get cheaper car insurance with historical license plates?
can i get cheaper car insurance with historical license plates
co op car insurance quote
co op car insurance quote
Affordable medical/prescription insurance for a heart transplant recipient.?
I had a heart transplant 10 years ago, and I am looking for a more affordable insurance plan, currently I use Cigna, and they're running me over $400 a month, plus a $50 dollar fee per prescription I am on, which runs me another $250-300 dollars every three months. I just recently graduated college, and am 24 years old, so my father's insurance at work no longer covers me. I'm not very familiar with insurance plans, but I would obviously need one that would accept my pre-exsiting condition of a heart transplant, and have a prescription plan, cover doctor visits, emergency care and anything else people can recommend that would be important. Thanks so much!""
Motorcycle Accident Insurance question?
If i accidentally knock over my bike, will insurance cover that? if so, which coverage covers it? I have Comprehensive and Liability""
Car insurance ? add another car?
my wife got a 1995 i already got full coverage how much will it be to add her car?
Where can I purchase an affordable individual health insurance policy?
Where can I purchase an affordable individual health insurance policy?
Does anyone know of a cheap auto insurance carrier in california?
does anyone know of a cheap auto insurance carrier in california
Insurance is WAY too high...help!?
I am 19, female and have just passed my driving test ... however, the cheapest insurance I have found is 1400 :( I have tried all of the companies who are on tv...admiral is the cheapest, norwich union and theives (almost 4 grand for a fiat punto!!), sheilas wheels and diamond are expensive too. Does anyone have any suggestions of cheap car insurance providers?""
Volvo- insurance costs and maintenance?
I'm thinking of buying a used Volvo. Anyone know anything about maintenance costs or the insurance costs?
DUI - charged but not convicted (yet) do I need to tell my insurance now or wait until conviction?
DUI - charged but not convicted (yet) do I need to tell my insurance now or wait until conviction?
How much will be car insurance be?
The car is a Honda Logo and the first part of the registration is W388 It is manual hatchback, uses petrol and isn't modified. I have no idea on the mileage. I am 17 year old new driver. My mother, father and grandma are all drivers on this car, I will just be an additionAl driver. They have all been driving 20+ years and have no claims. I live in an area that is fairly busy. The car will be parked on a public road outside my house unless in use. It will be used by me for social only. My other family members use it for running errands and shopping. How much can I expect my car insurance to be on this car? Will it be less than 2000? Thank you""
How much does car insurance cost?
I'm looking at a car that costs about 2,400 dollars. It's a 1997 Toyata Camry. It has about 147,000 miles on it. How much insurance would I have to pay. I live in PA and I'm a 20 year old dude so I assume it's expensive. Also is 147, 000 miles a lot for this car...or is the camry super reliable?""
What will be the insurance on a Mitsubishi Evolution IX MR at age 21 ?
With no accidents or anything in the past etc
Where Do I Find Quotes For Non-Owners Auto Insurance?
I Need It Cheap, Fast, And In Denver,CO.!!!!!!!!!!!!""
Insurances for starting a small business?
What are all the difference insurances for starting up a business? Please include a source or proof of your numbers
Is classic car insurance better for a 1984 corvette or regular car insurance?
im planning on getting a 1984 corvette but the insurance for it is a little too high.i just found out about classic car insurance but i really don't know much about it.but for classic car insurance,am i limited to a certain number of things like how far i can drive my car,when i can drive,etc?will the insurance actually be less or more for classic car insurance?and what is the best classic car insurance company i should go with?""
""How much does Motorcycle Insurance cost in Ontario, Canada or in your area?""
Hi, I'm planning to get either a Motorcycle License or a Private Aircraft License. I know for a fact that the minimum cost of a Private Aircraft License is around $10,000 CND for ground school, 40 hours in an airplane and your examination. From then on its around $120 CND for an hour in a Cessna. My question is, How much is a Motorcycle insurance? I heard its a lot and that is the reason why i'm choosing between these two licenses. - I am 16 (17 in December) - Grade 11 (86% avg) - Toronto, ONtario - I have my g1 and so far no tickets or accidents -Planning to get either a 2008 Ninja 250R or Honda CBR125R Thanks So how much will insurance will cost me?""
Is this a good insurance cost for a teenager for a GTO?
I got a quote from geico for an '04 GTO and it was 175 a month for a 17 year old driver. This suprised me, because I thought it would be alot higher. So do you think this an accurate quote? I put in all information accurately except for my age because they will not give a 15 year old a quote.""
Acura RSX or Toyota Celica. only have 8 grand to spend
which will have cheaper insurance, is faster, can be modified more""
Would I lose my auto insurance?
Hey there, I have been in 2ed car accident, and its my 2ed one in the past two years. I was wondering If my insurance would drop me, or cancel my renewal or just raise my rates? If it helps they where both rear ends, and no damages to my car, and just scratch to the other car.""
Whats the average cost for insurance for a corvette? but monthly?
well i want to get a corvette but i want to know the average insurance for it?
Need insurance quote for 73 Mustang Mach 1?
I would just like to get an idea from a person who knows a lot about insurance at what I would be looking to pay. It's the long weekend here in Canada and no insurance companies are open, and I cannot get a quote online because of the year of the vehicle. What I am looking to buy is a 73 Mustang Mach 1. I am 21 years old. The car value is 15,000 It will be driven less then 1000KM a year No substantial modifications. I haven't had any speeding (or otherwise) tickets I will be the primary driver. Vehicle is in good shape Um any other details I am missing? let me know.""
How much will insurance cost for a age 36 driver who got her license in this year?
Just give me estimate.
""In your opinion, who has the cheapest automobile insurance?""
In your opinion, who has the cheapest automobile insurance?""
Is aviva car insurance website down?
aviva car insurance says its unable to process your quote? Its been doing this since yesterday:s I'm just looking at quotes for different cars, just looking what will be better for me, i don't actually want to get insured yet until I've found the best price! It just keeps telling me to ring them up!! Any ideas? Oh and btw ive tried changing my email address to see if i was just doing too many but it still comes up with it? And its not because its too high for me to be insured which ive seen from looking into it because some cars ive put in again because i lost the quote reference? Nothing works:/""
""Car insurance decreases, when? 26 yrs old?""
I started driving when I was 22 years old, and never had an accident. Right now, I'm 26. I pay $116/month for insurance, which I think is kinda high. The vehicle I drive is a 2006 Hyundai Eantra. Car insurance is: Erie Insurance http://www.erieinsurance.com/""
Cheapest car insurance in brampton ontario?
i 22 and i need the best quote i paying 341 with state farm that bull and i got ma g , what the best and cheapest company out there i don't care much about broker as long he/she got a good deal.""
co op car insurance quote
co op car insurance quote
Where can an 18 yr old get insurance?
I'm an 18 year old male (19 next month) I need major dental work: root canal, filling, crowns, possible extraction Question: Where can I get good dental insurance that covers the above procedures without a waiting period. I need these procedures fast. I need a high annual maximum which I assume comes with a high premium. P.S - I've looked at Aetna, Humana and Delta Dental; they only pay a miniscule fraction of the procedure.""
I wonder how many points will my insurance raise ?
So my car was parked in-front of a SUV Lexus in a parking lot. Then, i left my friend's house and started to drive. I stepped on the gas pedal to drive forward but i forgot that the car was still in Reverse mode. So i hit the Lexus car which was behind my car and luckily no one was in that car. There is damage on that car's left side headlight and left-side of the bumper. I wonder how many points will my insurance raise ? i just got the license like a few months ago and this is my fist accident. The SUV Lexus car's parts and labor fee is really expensive so i might don't have enough cash to pay them thou. (estimate $3000-$5000)""
What life insurance policy should I get?
I have the option of variable whole life, whole life, and term life. I know term life is the best, but i am only 18 and i don't have time to go out and invest in mutual funds unless its really easy and quick. I am a college student, and I have no income. I am planning on becoming a nurse, but of course that is not guarenteed. Which one should I get and why? Please don't just say don't get whole life! it sucks yeah i know that but i need details. Also what about for my parents who are in their early 60's . Which one should they get??""
Health insurance bills?
I asked a question about if health insurance companys bill you but I want to make this clear....so if I meat my deductible the only thing I have to do is pay the copay and I don't get anything in the mail from the insurance company but I can get a bill from the Dr or hospital that my insurance Didnt pay for?
Motorcycle insurance for a 16 year old?
Hey guys im only 14 but out of curiosity I would love to know about how much a month insurance would be part time on a motorcycle for a 16 year old or 18 year old. Im looking at a yamaha r6. So give me some guesses or if you know for sure thats even better. Thanks
Can young drivers get insurance for classic cars?
I've been looking around, and none of the insurance websites i have been on are very clear... I am a 17 y/o girl, and would like to drive a classic beetle. Is it possible to get insurance on classic beetles as a young driver? If so, where? Is classic car insurance cheaper than normal car insurance? :)""
What's the cheapest bike to insure for a 16 year old that still meets my requirements?
I'm 16. I've had my motorcycle license since December 2009, so that would be a year and about 4 months. (This is Oklahoma, you can get a motorcycle license at 14, but I had a late start.) My 17th birthday is in 2 months. I've been driving a car lately, but now I'm wanting to find another bike. However, it has to meet some requirements- it has to be good on the highway, since I live several miles from town and go on the highway almost every day, it has to be smaller than 500cc (not because of ability, just preference, I don't like big engines), and it has to be good on gas- at least 50 mpg. I don't car about the age, I know most people my age want the newest, coolest thing; personally, I don't care. I'd drive some 1963 rust-bucket so long as it ran. I'm just looking for the cheapest bike to insure for my age that still meets those requirements.""
Why won't an insurance company insure me since I had a claim in the last 5 years?
I had a fire claim in the last 6 months ($30,000 claim), and I am not happy with my current insurance company. It has taken them 6 months to pay out. I have been trying to get a quote from different insurance companies and they all say that they cannot give me a quote because I had a significant claim the last 5 years. Does anyone know of an insurance company that doesn't have this policy?""
Law/Rules of insurance?
I am a 20year old young adult who is my my fathers insurance. I'm turning 21 in two months and my father is happy about that because he says that I will be off his insurance. I'm kinda scared because I'm getting surgery after my birthday and I won't have insurance. I've been reading online that I can be on his insurance until I'm 26 if I'm married, live on my own, enrolled in school etc. I'm not enrolled in school but I will in the summer again. So what will happen?""
What is currently the cheapest car insurance in California?
Its time for my car insurance renewal and I noticed that the rates have gone up by 100 dollars since last year and all the previous years. I have Access Insurance and though the fees have got up, it still seems like the cheapest one so far. Does anyone have any suggestions about other companies?""
Can anyone recommend me high school football insurance?
Last year I signed up for insurance called Myers-Stevens, and they covered me only $500 out of $15000 for out-patient surgical equipment fees for my ACL Reconstruction. What the f*** man, do they use arthroscope once and throw it away or something? however, they are the worst school insurance you could get. Can someone recommend me a good High School Tackle Football Insurance Program that actually covers the accidents and injuries? So I have no fear of playing football in fear of getting injured and its high-cost medical bills I have to pay? I live in Southern-California, Los Angeles""
How much is it going to cost to add a new 18 year old driver to car insurance?
my mom said its going to cost about 200 bucks a month. thats too much. >_< i live in california.
Define insurance?
what is comprehensive insurance
How much does car insurance lower when you turn 21?
I have insurance with Farm Bureau, and I have a completely clean record. I hear insurance lowers when you turn 21, anyone know about how much? I pay about 600 a quarter..""
Medical insurance for cancer patient?
A family member is diagnosed with something similar as cancer. She works for a big fortunate 500 company and so far, there is no sign the company will fire her. However, the job is very stressful and when she starts chemotherapy, she will most likely take a medical leave (Not sure how long) She doesn't want to put all eggs in one basket, just in case the comapny fires her, she would lose medical insurance, and that would not be very good. Just wondering if there is a private insurance company who will never reject a cancer patient. She is very aware of the fact that premenium would be sky high, but she is willing to pay for it just in case. Any suggestions thank you""
Which is the best insurance company for motorcycle insurance?
I have honda aero motorcycle 750 cc.. may i know which is the best company to go with????? Thanks
""In CA, would my mom's car insurance cover my car?""
I live with my mom in California and we both have cars. I just bought mine recently under both mine and my mother's name but do no have it insured. My mom does have insurance though. I got in a little fender bender a couple days ago but when the report got filed, I got a citation for not having my own car insured. What I mean to ask here is, if my mom has car insurance and my car is under her name as well, would her insurance cover me, therefore leaving the citation void?""
What kind of convertible can I get that won't be a sports car on insurance?
I'm looking at getting a car and I'd really like a convertible. The thing is that I can't afford the insurance on sports cars. So what kind of convertible that would be around 5000 dollars used (perferably 90's to an early 2000s car) would not be a sports car to the insurance agency. Or is there no way around that? And if it makes a difference I have State Farm.
2 speeding tickets in 1 days! USAA insurance. Help Please!?
Ok, so as the title says, i got 2 speeding tickets in 1 day. Yes that was stupid, i know. I am really worried. one is a $205 fine, the other $110 both for speeding 15 mph over. I think it is possible to get defensive driving with one of the tickets because my last ticket was around 2 years ago. Thats the other thing. 2 yrs ago i got in a wreck, my fault and a ticket too + defensive driving. so with all that taken into account. do you think i will get dropped from USAA insurance or how much do you think my rates will rise? Thanks for the help!""
""California has had lawsuits capped at $250K for years now, and it didnt make rates go down one cent....?
....In fact they are still some of the highest in the Country. Can some conservative explain how this is so given their constant claims the 5% (!!!) of insurance company budgets that go towards lawsuits drive prices up?
Insurance for 16 year old?
Hi, i live in California and I am 16 years old, I'm just wondering how much it will cost my parents every month/year for my car insurance. I have an Audi A3 2008 and I have Farmers Insurance. Please help!""
Insurance company monitoring equipment?
I'm almost certain this is a start of a way to increase your insurance rates
Is eCar a reliable car insurance?
I need a cheap car insurance, and I heard eCar is really cheap.. but I don't know if it's reliable or not!!!!?? Please help!!""
Suing a car insurance?
3 weeks ago, my car got hit while i was asleep in the middle of the night. the person left his insurance and phone number.so he knew he was at fault 100%. i called the insurance and they agreed to fix my car. since the person hit my wheel and bumper at the same time my car was not drivable at all, so they got a towing truck to take it to the shop. i received a call 2 day later from the insurance telling me that they could only fix my bumper because it the accident had nothing to do with a broken part from the other side of where the car got hit. now my car was working perfectly fine the day before the accident. and the insurance doesnt want to fix the part that broke because they said it was impossible for the part to brake and because the part was rusted. Can i sue the insurance company?""
Does taking driving classes cheapen the cost of driving insurance for new drivers?
I'm planning to get my driver license when I turn 18 which is in two months and I live in Massachusetts. The state law says that you don't have to take driving classes in order to get your driver license if you are over the age of 18 but I am taking in order for my driving insurance to be less. If so, do you save around 10-15% on driving insurance rate? And how long does this discount on this insurance last for drivers.""
co op car insurance quote
co op car insurance quote
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