#medical consent: a running saga

[the-hidden-writer]

A Piece of True Fiction: Chapter 17

An Alan Wake 2 fic. Spoilers for Alan Wake 2!

Summary: Aleksi Kesä manages to slip out of the spiral and film he was trapped in.

Saga Anderson, caught in the middle of Wake's horror story, finds a man that looks identical to her partner in the middle of the woods. He's lost, confused, and only seems to speak Finnish. Saga has to try and uncover the truth as well as trying to save her family. Where did he come from? How did he get here?

And where's her Casey?

Chapter Summary: Saga follows instructions. Chapter CW: knives, stabbing Words: 4,202 AO3 Link: [Here!] [First part] [Previous part] [Next part]

A Piece of True Fiction

Chapter 17: The Ritual

With the roads clear at such an early hour combined with Estevez’s strategically-reckless driving, they manage to make it all the way to Watery before Aleksi starts to stir.

When he does, Saga shares a look with Agent Young. They’re still a few minutes away from Coffee World, let alone the time it would take to transport Kesä to the well by foot, meaning that it’s only a matter of time before they’ll need to start dealing with an awake, coherent Kesä.

(The word victim comes to Saga’s mind. She tries to shake it away, but it lingers like a bad taste in the back of her brain.)

Young pulls out a packaged needle and gestures with it toward Kesä. Saga shakes her head. Despite receiving medical training, she’s no nurse and doesn’t know the full ins and outs of administering a second dose of ketamine so close to the first. Not only that, but Ilmo had said that Kesä would need to be alive for the ritual to work. Would being unconscious make a difference? She doesn’t want to take that risk. Their lives may just be more difficult when trying to carve the heart out.

The thought of actually carrying out the ritual makes her consider Aleksi again. His eyes are still shut and his head shifts ever so slightly, as if having a bad dream. The back of the FBC truck has two benches on either side facing each other, military-style. Young had offered to sit with (and hold) Kesä due to Saga’s bad arm. Saga was grateful for and had accepted the offer, but having to sit there staring Kesä’s unconscious body head-on ended up being highly unsettling. Especially since the sight of him sitting up with his head hanging near his chest reminds her too much of that strange film in the nursing home basement. It’s an unwelcome distraction.

When Aleksi had initially slipped under, she’d been struck with the idea of removing some of his clothing to try and make the ritual more efficient. Her conscience had quickly shut that thought down. She’s aware that it’s pretty hypocritical to draw the line at undressing someone without consent while also planning to cut their heart out, but there are some morals that she can’t shake even in the most desperate of situations. 

Stranger still, she feels concerned that she’d even had that thought in the first place, because she’s so strongly against it. It had almost felt foreign, like an excited whisper in her ear. Drug him. Undress him. Steal his heart. Bring me back. 

She doubles down on her stance. She’s not that sort of person. She doesn’t want to do this and is only doing it for Casey’s sake. Ilmo can do what he must and she will only assist where necessary, if necessary. 

Aleksi lets out a whimper in his slumber and Saga momentarily rethinks everything.

Is this really the only way to bring Casey back? The initial panic about running out of time had made her rush into the idea of this ritual without properly discussing options with anyone. She’d normally discuss them with Casey, but…

She tries to imagine what Casey would say in this situation.

Don’t bother, Anderson. I’ll be fine, I’ve gotten out of worse scrapes. You go save that daughter of yours.

Nope. She tries again.

That’s a lot of faith you’re putting in Wake. Personally, I don’t trust that bastard one bit. Just because he spelled things out for you doesn’t mean he’s telling the truth. Are you even sure it was him?

The thought gives Saga pause. The truth is, she doesn’t have any evidence that the man claiming to be Alan Wake was actually Alan Wake. But the way the surface-Alan had described having doppelgängers, and the fact that she’s been seeing a version of him in the Overlaps, not to mention Scratch being still at large… combined it makes stuck-Alan’s explanation more viable. Plus, she’d since seen evidence that he’d been telling the truth, such as Kesä being friends with someone from Bright Falls, someone who she’s almost certain Casey has never met, and the film in the nursing home basement, one that she’s convinced displayed Casey’s predicament in the Dark Place like stuck-Alan’s description. 

But still…

Clutching the bench for stability, she enters her Mind Place. There are so many clues waiting to be put together, so many more avenues she could go down with her deductions, she just doesn’t have the time right now. She ignores it all and heads straight to the locked door. She knocks firmly three times.

“Wake?”

No response. It was wishful thinking, anyways. Even so, she tries to leave a message in the low chance that it could work in that way.

“We’re almost at the well. Everything’s ready. If you’re still with Casey, tell him he’ll be out soon. I’m coming for him.”

She waits a minute in case something changes. Nothing does Saga returns to reality moments before they arrive at the trailer park.

“We’re here,” Estevez announces from out front, and Saga cringes when Aleksi’s breath hitches from the volume of her voice. Everyone had been silent for the entire journey both for fear of agitating Kesä, but also just because the tension of the situation was so palpable that nobody really knew how to fill the silence. Even Ilmo, to Saga’s surprise, hasn’t uttered a single word. She’d been expecting him to have questions, or even to protest more about the situation, but he’s been unusually quiet and complacent. Maybe the tension has gotten to him too.

The engine is switched off and everyone rushes into action. Estevez opens the back, letting Saga and Young out. When Young scoops Kesä into his arms bridal-style, the man mumbles incoherently and shifts his body in a subconscious protest. Though his eyes are still closed, Saga realizes that the minutes they had left have turned to seconds.

She also quickly realizes that Estevez can’t run because of her bad leg. She has a split-second decision to make: have everyone run ahead and leave Estevez behind, or travel slower, sticking together but also risking Aleksi waking up. 

Saga chooses the latter, slipping an arm around Estevez for support. Her reasoning is admittedly a little selfish. Though she’s sure Estevez would be able to hold her own, she doesn’t want the additional burden of a lost life on her shoulders in this Taken-infested forest. Estevez tries to shrug her off at first, then quickly gives in and shoots her a grateful look.

Acting as Estevez’s crutch, Saga leads everyone into the park, all while Kesä becomes more and more restless. Every time she turns her head to check, she sees Young’s increasing struggle to hold him. Kesä twists in discomfort and his mumbling becomes louder and more frequent. Saga focuses on reaching their destination.

And then, with the well just thirty or so feet away, Young lets out a panicked yelp when Aleksi screams.

Saga releases Estevez and turns around to see Kesä, eyes now open, hyperventilating and thrashing against Young’s grip. Young tries his best to keep hold of him, but Aleksi writhes and lashes out with his cuffed hands until one wild, lucky swing catches Young in the nose, making the agent drop him with a loud exclamation. “Fuck!”

Aleksi grunts as he hits the ground and makes no initial move to get up, still clearly disoriented and not fully aware of his surroundings. Saga, on autopilot, leaps forward to pin him down while Young recovers from the blow.

She looks to Ilmo, who’s staring at Huotari Well in the distance. “Can't we just do it here?”

“Not here, it's too far,” Ilmo responds. Then he pulls his eyes away from the well, turns toward Estevez, and holds out his bound wrists. “It’ll be a lot easier if we drag him. Let me help, I've done this before, I know what I’m doing.”

Estevez hesitates, looking to Saga for her opinion. Saga is too busy trying to hold down a distraught Aleksi to provide a proper response.

In the end, Estevez relents and digs in her pockets for the keys. “Alright. Come here.”

Ilmo steps forward and allows Estevez to remove his handcuffs. As she does, he gestures his head toward Kesä. “He’ll be easier to drag if you undo his as well. Didn't you say you had more of your folks here?”

As if on cue, a rustling sound fills the air and Saga spots a figure jogging toward them. She experiences a spike of fear before she recognizes the man as Agent Miller, who approaches them with the two other more injured agents trailing behind.

“Ma’am!”

Saga doesn't miss the visible relief on Estevez’s face as she greets her agents, immediately slipping back into her role as leader.

“Where’s the container?”

“In the warehouse yard,” Miller answers. “It’s just over there, not far from the well.”

“You didn't touch the float, right?”

Ilmo receives a glare from both FBC agents.

“You go prime the power cores,” Estevez instructs her agents, “we’ll bring the entity there. We aren’t entirely sure what it’s capable of.”

“Yes Ma’am.”

“You’ll help?” she adds to Ilmo.

Ilmo makes an expression that is close to a smile, but lacks any semblance of humor. His eyes remain cold. “It’s what I’m here for.”

“...I’ll take that as a yes.”

Estevez moves closer to where Saga has resorted to unashamedly sitting on Kesä’s chest. She holds out the handcuff key and seems unable to crouch or squat due to her leg, so instead she awkwardly leans forward until her hands are in reach of Kesä’s. Saga adjusts her own position to make it work.

“We take an arm each,” Ilmo says to Agent Young, whose mouth is streaked with red from the blood flowing from his nose. If Ilmo has any remorse for the initial injury, he displays none of it in this moment. “Drag him backward while he’s weak. Got that?”

Young can’t do much more than nod (causing droplets of blood to fall to the ground).

Once Kesä’s cuffs are undone, he starts to scratch and claw at Saga, his arms flailing around and often missing their target. He’s clearly panicking, but still groggy, not fully aware.

Estevez counts everyone down to coordinate a number of movements. On three, Saga jumps off Aleksi’s torso. The man immediately cries out and rolls onto his front, smothering his white shirt, already sticky from sweat, in dirt. He scrambles onto his knees, similarly caking them in mud, at which point Ilmo and Young rush forward and each hook an arm under one of Kesä’s shoulders. Kesä shouts as they do, the movement too fast for him to fully comprehend.

His eyes are left so wide that they’re almost separate from his skull. Extremely distraught, he limply struggles against the other men’s hold as they start to drag him along the path.

As she and Estevez follow behind, facing Aleksi head-on, Saga is suddenly struck with the thought that this isn’t the first time she’s seen Kesä like this. He’d displayed this amount of panic and distress when she’d first come across him not far from where they are now. She never found out why he’d appeared so scared at first, and seeing what’s prompting that kind of response now, she wonders what the hell could have caused it the first time. Where had he been before arriving here?

She startles when she realizes that Kesä’s eyes are zoned in on her in recognition. He stops mindlessly shouting, quietening to hurried pants as he visibly struggles to draw in air. 

“Saga,” he says, his voice hoarse and cracking as he says her name. Two simple syllables that drip with devastation and hurt. "Sinäkinkö? Oletkin yksi niistä?"

Saga doesn’t know what to say to him. She doesn’t even think there’s anything she can say to him.

"Luotin sinuun," he continues, even as he tries to anchor his bare feet into the soil to stop himself from being dragged. His voice is laced with a thin layer of venom that isn’t able to mask the primal fear underneath. "Luotin sinuun, saatanan petturi! Niiden sadistien kätyri! Päästä irti! Painu helvettiin! Jätä minut rauhaan! Päästä irti!"

Perhaps realizing that she can’t understand him, Kesä ends his Finnish spiel and glowers at her instead. When she still doesn’t respond, he spits in her direction. Saga’s heart sinks. Message received.

Then something unusual happens.

There’s a moment as the group advances closer and closer to the well that something in the air seems to shift. A red hue seeps into their surroundings, blending with the blue-tinted darkness of the night. Too saturated to be natural, too widespread to be artificial. The whispers of the forest around them, and what Saga had thought was just the sound of leaves in the wind, are instantly far more audible and it becomes clear that it is actually an unintelligible whispered chant. Turning her head to glance around the outskirts of the forest, Saga spots a number of cultist Taken, all lingering between trees that she could have sworn weren't there before that fade in and out of view. Stranger still, one second there’s no rain, the next they’re caught in a sudden downpour. Like some higher power thought it was a good time for a shower.

The change in the environment is impossible. An impossibility that Saga is starting to get familiar with, though comprehending it leaves her with a light headache.

Did they unknowingly open an Overlap? It feels like the only explanation. But how?

She finds the answer to her question when she realizes that Ilmo’s knife in her pocket feels heavier than before. She draws it out. It's a different knife. Not too different, still a similar size, just slightly heavier and with a different handle. Maybe bringing the knife to the well had been the key?

Aleksi seems to recognize the change as well. He starts struggling harder against Young and Ilmo as he is dragged past the well and toward the warehouse, his anger replaced with desperation.

He begins shouting again, his bare feet kicking wildly against the ground.

"Ei, ei, ei, armoa! Ei taas! Lopettakaa!"

His hoarse voice becomes wet with tears and his cries morph into desperate high-pitched squeaks. His lower lip wobbles with emotion. Pure terror.

He is dragged through puddles into the yard, where Saga sees that the FBC have set up some sort of large cuboid containment cell surrounded by an array of lights (currently switched off) and glowing orange boxes. Three FBC agents each stand by one of the small light towers.

“Ahti!” Kesä calls into the night, now in tears. "Ahti! Auta minua! Älä jätä minua yksin! Ei taas! En pysty tähän enää..."

The sound of him calling out to his ‘friend’ strikes a chord in Saga. This isn't the actions of someone about to have their selfish plan foiled. This is a bewildered man fearing for his life. She suddenly wants to rethink everything, to make sure they're not about to make a terrible mistake, but her headache prevents her from contemplating too deeply. 

She's drawn out of her attempt when she notices that Ilmo and Young have stopped moving, and that the former is holding a hand out to Saga, palm facing up.

“The knife,” Ilmo requests.

Saga hands it over and tries to resume her train of thought, her free hand reaching up to gently massage her temples. Why does she have to be afflicted with this discomfort now? Is the exhaustion finally catching up to her at the worst opportune moment?

She glances behind her. If she squints, it looks as though a hand is poking out from the well, flickering in and out of reality like many other scenes in an Overlap. Casey’s? Saga resists the urge to rush over and grab it. They aren’t ready yet, everything has to be right. Kesä starts screaming again when they bring him closer to the containment cell. The FBC agents, Estevez included, form a defensive formation a few feet away while Young and Ilmo proceed. Saga watches on in anxiousness, thorns of doubt pricking her heart. 

They’re about to do this. But what if they're wrong? What if she’s wrong? What if Kesä isn't-

A sudden yell pierces through the clamor of rain.

“Stop!”

Everyone freezes. Even Aleksi briefly stops resisting. Saga follows the source of the sound past the well and sees… Wake?

Alan Wake, in that bloodied white tee and jeans, hurrying in their direction from one of the other paths. He looks soaked to the bone.

“Wake?!” Saga calls out in total confusion. How the fuck did he get here?

While he makes his way toward them, Saga spots another figure standing much further behind. She does her best to try and get a good glimpse through the torrent of rain, managing to make out gray hair, overalls, and a deep, deep frown. Is it… Ahti? What the fuck is going on? Unlike Alan, he’s staying far behind and doesn’t attempt to move any closer.

“You have to stop!” Alan shouts directly to Saga while running. “This won’t bring back Casey!”

Saga’s heart starts thudding in her chest. Wake has fear in his eyes, the same fear she’s starting to feel herself. She feels the need to hear him out. 

She holds out a hand, motioning for Ilmo and Young to pause what they’re doing. “Hold on.” Then she turns back to Alan, needing to shout over the rain too. “What do you mean?”

“You’re right, this is a ritual,” Alan explains, out of breath. He winces and rubs his own forehead before continuing. Does he have a headache too? “It was like this in the film, I remember that now, even down to Aleksi… fuck, I forgot his name, but just listen. Doing this won’t bring back Casey, it’ll bring back someone else.”

“What?”

Saga looks over at Huotari Well again, where the hand poking out has extended to a forearm. The whole area is bathed in red and her throbbing head makes it difficult to concentrate, yet she’s certain she’s not imagining it. She has her own doubts, but the ritual seems to have already started…

“Are you sure?” “Yes, I’m sure.” Alan’s voice is strained but tinted with relief at finally being listened to. “You can’t- argh!”

Without warning, Wake falls to his knees. His eyes squeeze shut and he clutches his skull as his teeth grind in what Saga assumes is pain. What’s going on with him? What’s going on in general?

“Saga… the Clicker…” Alan grits out before there is an explosion of darkness emanating from him, muffling an agonized scream. Saga has to shield her eyes, and when she opens them again, she sees that Wake has stood up and wisps of Dark Presence snake and dance around him.

Bloody teeth bared, he dashes closer in the blink of an eye, one hand outstretched.

“T̵̪͘h̶̖̀e̵̦͑ ̶̭͒C̴̖̓l̴̞̍ḯ̷̧c̴͇̈ḱ̶̙e̶̘̔r̷̲̕.̶̰̋”

Shit. 

Shit shit shit shit. That’s not Wake. That has to be-

“It’s Scratch!” Saga fearfully announces to the others. 

The FBC agents all immediately draw their weapons. Saga does the same. 

“What’s the play here, Anderson?” Estevez asks as Scratch stalks closer. “The containment cell is built to withstand the Shadow, so we could try and lure him-”

“Yeah, good idea.” Saga interrupts. She’d try and build a plan herself, but she can barely think with the constant pounding in her skull, so she accepts Estevez’s idea without a second thought. “Deal with Scratch first, then we can-”

“Shit!” “Voi vittu!” 

Saga looks to the cell to find Ilmo and Young on the ground. Utilizing the distraction, Kesä has managed to break free. He crawls away from them, scrambles to his feet, and breaks into a run. Ilmo jolts to his own feet and races after him. Saga and Estevez share a panicked look.

Estevez raises her pistol. “Go. We’ll take care of Scratch.”

Saga nods, grateful, and sprints after Aleksi and Ilmo through the park.

“Ilmo, wait!”

She needs time to think. She needs to be able to think, but the headache is now starting to create spots in her vision. The cacophony of the chanting Taken, thunderous rainfall, and now the deafening sound of gunfire from behind her all combine into an additional sledgehammer to her brain. She groans at the pain. Ahead, Saga watches Aleksi weave around an attraction, dodge Ilmo’s grasp, and scurry back in the direction he came from. She decides to use the opportunity to retreat into the Mind Place, hoping to clear her head before trying to intercept

It’s there she discovers the source of the pain. That tremendous ache, that pounding in her skull, is literal. Something or someone is pounding at the locked door, unrelenting, shaking the very foundations of her Mind Place. Knock. Knock. Knock. Knock. Knock. Knock.

Knock. Knock. Knock. Knock. Knock. Knock.

Knock. Knock. Knock. Knock. Knock.

Saga is shaken out of her own Mind Place and falls to her knees, clutching her skull just like Wake had done. It’s so loud. She can’t think.

She turns her head. Far behind her, it looks like the FBC agents have been successful in shooting Scratch into the cage and are preparing to blast him with light. In front, the arm is still extended out of the well, except terror washes over Saga as it hits her. The arm is too long. The fingers are too lithe. The little wave it gives is too familiar for the wrong reason. 

It’s not Casey.

Wake was right.

Stunned, she isn’t able to block Kesä as he runs past her with Ilmo following suit. 

“Stop…” Saga whispers at Kesä, Ilmo, Scratch, the pounding in her head, at everything.

She hears Ilmo shout at Kesä in Finnish as he catches up.

Aleksi turns to curse at him in response, but it results in him tripping over one of the empty beer bottles left by Jaakko at the base of the well. He falls to the ground, landing hard on his shoulder. Ilmo pounces on him in an instant, holding him down with his free hand while he moves his legs to straddle the man. He still looks intent on performing the ritual as he opens Aleksi’s shirt and raises the knife over his head.

“Ilmo, stop! We’re not doing this anymore!” Saga shrieks, trying to crawl toward. She attempts to stand, but a particularly loud knock at the Mind Place door sends her tumbling back down again. She pleads loud enough that he must hear her and is therefore choosing to ignore her. “Stop!”

Ilmo’s head snaps around and their eyes meet. Ilmo’s eyes are wild, his hair has fallen in front of his eyes, and there’s a craziness in his expression. Saga realizes in horror, too late, that that’s not Ilmo.

She makes an all-out attempt at reaching them, even though crawling with her bad arm is excruciating. But she can’t make it.

“No!”

Like a bolt of lightning in the thunderstorm of commotion around them, a cry pierces the night.

"Tämä riitti vie sinut tuonpuoleiseen!"

Saga is helpless as Ilmo plunges the knife deep into Aleksi’s chest. 

Just then, there’s a blinding light followed by a booming eruption of darkness.

The force, coming from somewhere behind them, sends everyone in the vicinity flying a few feet. Saga’s face ends up being pressed painfully into the ground.

Slowly, she lifts her head. Everything’s gone quiet and her ears are ringing. The red coloring of the air is gone and both the gunfire and pounding has stopped, leaving only the patter of the rainfall. Saga’s whole body aches. What happened..?

“I’m sorry,” she hears a voice, Wake’s voice, distantly say. “I’m so sorry.”

She opens her eyes and tries to gather her bearings. She can see Ilmo on the ground a few feet away from her, yet to get up. The Taken are nowhere to be seen. Neither is Kesä. 

At first.

As sense returns to her after the blast, Saga spots a pair of bare feet gradually stepping toward her. Her gaze trails upward to see that it’s Kesä. Kesä, with a bloody torso and twisted smile, enveloped by wisps of darkness.

Fuck.

He reaches her and she’s too weak to stop him from forcefully grabbing her injured arm and dragging her backward.

“No!” she screams, exhausted and frightened, fighting against his grip. “Aleksi!”

Aleksi, if it even is Aleksi anymore, just snarls and drags her through the mud. Saga’s head suddenly hits something behind her. Brick. Fuck.

“Don’t!” she begs while her body screams in agony.

Kesä doesn’t listen. 

Saga thinks of Logan as a strong force lifts her up and tosses her over the edge of the well. She is powerless to stop it from happening, powerless against his grasp. She saw the truth too late and is facing the karma of her decisions.

Countless memories of Saga’s life flash through her mind as she falls down and down, preparing for impact, unaware of the water when it surges up to catch her.

Finnish translations:

Aleksi:

"Sinäkinkö? Oletkin yksi niistä?" = "You're one of them?"

"Luotin sinuun." = "I trusted you."

"Luotin sinuun, saatanan petturi!" = "I trusted you, you fucking traitor!"

"Niiden sadistien kätyri!" = "You're a lackey to those sadists!"

"Päästä irti! Painu helvettiin! Jätä minut rauhaan! Päästä irti!" = "Let go! Go to hell! Leave me in peace! Let go!"

"Ei, ei, ei, armoa! Ei taas! Lopettakaa!" = "No, no, no, mercy! Not again! Stop!"

"Ahti! Auta minua! Älä jätä minua yksin!" = "Ahti! Help me! Don't leave me alone!"

"Ei taas! En pysty tähän enää..." = "Not again! I can't do this anymore..."

Ilmari:

"Voi vittu!" = "Fuck!"

"Tämä riitti vie sinut tuonpuoleiseen!" = "This is the ritual to lead you on!"

Thanks for reading :)

[drwcn]

I was reading your post about consent for surgery and I had a question. Aren't there cases where if the patient is not of sound mind or unable to make an informed decision, then family can decide for them? That's not to say that WWX was entirely of sound mind at that point (he'd also been through insane trauma & was trying desperately to hold onto the family he had left). But JC was in a much worse state and retrospectively I agree JC would never have agreed to taking anyone else's core, but 1/2

I know I said i wasn’t going to answer asks until I’m done my exams but this one just came in and it’s a topic close and dear to my heart, so I’m going to take a couple of minutes to answer it. Thank you for the ask, but I think this brings up a lot of misconceptions of what is medical consent, capacity, competency, and substitute decision making. This is a very complicated and legally heavy topic. So it will be a long post. I apologize for that. 

There are several misconceptions in the ask, and I will be addressing them in this order: 

That Jiang Cheng is “not of sound mine” and cannot “make an informed decision”. 

The role of family and substitute decision making 

“force a life saving measure on a family member”. 

Issue 1 : Jiang Cheng is not competent and has no capacity to consent. 

There is no doubt that Jiang Cheng has gone through significant trauma, and that he is emotionally fragile, but this does not medically equate him to having no capacity to make surgical decisions and this certainly does not make him legally incompetent. If I may, I will define “informed decision”, “capacity” and “competency”.  

The criteria of obtaining informed consent is described below. 

Decision maker must: 

Be aware of his/her right to withdraw consent at any time

Be free of undue influence, duress or coercion in making the consent decision (aka no one is paying them or holding a gun to their head)

Receive a proper explanation that includes but is not limited to:

diagnosis reached

advised interventions and treatments;

exact nature and anticipated benefits of the proposed examination, assessment, treatment or procedure;

common risks and significant risks; 

reasonable alternative treatments available, and the associated common risks and significant risks; and

natural history of the condition and the consequences of forgoing treatment;

All of this must be explained to the patient before a procedure can be undertaken. And the patient must be able to understand what is told, and to appreciate the gravity of their choice. This brings us to the idea of “capacity”. 

Capacity is not how emotionally distressed you are, or how traumatized you are. If my partner (the love of my life) and I both got into a horrible car accident, but I sustained minor injuries while he requires significant surgery, you can reasonably assume that I am in deep emotional distress. However, if I were his POA (power of attorney), I would still have the capacity to decide and consent for his surgery on his behalf if he is no longer capable (e.g.: he is unconscious).  

Capacity refers to a person’s ability to make a decision that is “task specific”. As in, can he make a decision about this particular thing we’re asking him. It requires the person (Jiang Cheng) to:

Reason and deliberate - can Jiang Cheng make logical sense of the procedure and its consequences.  

Hold appropriate values and goals - Jiang Cheng would want to protect his family, avenge his parents and defeat Wen Ruohan. 

Appreciate one's circumstances - does Jiang Cheng know that without his surgery he will never get core back? Does he know the risks of the surgery to himself, to his brother, and its chances of success? 

Understand information one is given - are Jiang Cheng’s cognitive functions intact to for him to understand and appreciate the information given? 

And communicate a choice.

Can Jiang Cheng do all of that? The conclusion of the assessment for capacity ultimately lies with the attending physician. Medical capacity is a result of a physician’s assessment. Capacity wasn’t even a consideration for Jiang Cheng. Wen Qing agreed because Wei Wuxian begged, and probably because she also felt guilty. And that’s not how she should’ve done it. 

From what I have seen on the show, Jiang Cheng is capable. I can say with 99% confidence that what happened to him is a gross violation of his bodily autonomy and his rights. No physician would agree to do a surgery the way Wen Qing did. In a way, she was compromised, and she should’ve seen that there was a conflict of interest between herself, Wei Wuxian, and her patient Jiang Cheng. If I were her, I would be mortified that I had done something like this. 

On the other hand, competency is a legal status. It doesn’t change with activity and task. A judge needs to decide this and once you’re deemed incompetent, there’s usually no going back. This doesn’t really apply in CQL because...well they don’t have a judicial system. I can explain competency fully in another ask if you’re still interested. One thing I will say is that even “incompetent” individuals can have “capacity” for certain decisions. E.g: my grandmother with dementia while she cannot decide whether she undergoes a knee replacement or not, she can decide that she doesn’t want apple sauce with her morning meal. Again, competency is a global assessment leading to a legal status change, whereas capacity is task specific. 

Issue 2: the role of family and substitute decision maker 

Substitute decision makers (SDM) are brought in when the patient is deemed lacking capacity to make a certain decision, and as I have explained above, Jiang Cheng does not qualify as lacking capacity. In modern law, the role of SDM is different from country to country, even provinces/states to provinces/states. 

For a lot places, pediatric patients are not able to consent for themselves and their parents are usually their SDM. This is not the case where I live. Children, as long as they are assessed by their physician to be capable of making specific decisions, will be able to make decisions in their medical treatment. This assessment is on-going throughout medical care. In many other places, parents are the SDMs. However: please note that good medical practice will still include the children in the discussion of their care as much as is appropriate for their age and ability, and that while they cannot consent, clinicians must try their best to obtain children’s ‘assent’ (aka their agreement and cooperation).  

For seniors with dementia, their SDMs are their spouse or in lack that, their children. Without a specific POA - power of attorney, that is the one person the patient has written down as their legal SDM - all SDMs on the same level must come to an agreement before a procedure can be carried out. What do I mean by that? SDMs come in levels. Where I live, at the top level is the spouse. Without a specific designated POA, spouse is always SDM, their decision trumps everyone else’s. Without a spouse, the next on the list is usually children. If there are multiple children, they must all agree on what to do for mom or dad before the doctor can act. If they can’t agree, there’s usually a due process where physicians can petition the court to have a designated third-party SDM appointed.  In all cases with SDMs, they should not be acting according to their own values but the values and wishes of the patient to be best of their understanding. If doctors suspect that SDMs are not following the values of their patient, there is also a process where they can petition the court to have the SDMs’ rights removed. It’s a very lengthy process and this doesn’t happen often. 

For Jiang Cheng, if for example he never gained consciousness (so he is completely incompetent) and we consider Jiang Yanli and Wei Wuxian to be at the same SDM level (JC’s siblings), then they should’ve had a discussion with Jiang Cheng’s values and beliefs in mind and come to a conclusion together. Only that decision should be implemented. Of course, this didn’t happen because WWX and his martyr complex made an unilateral decision for himself based on what he thinks is right.

Issue 3: Forcing people to live against their will.  

Does this happen? Tragically yes. It does. Should it happen? No. Absolutely no. 

The grey areas are when a senior never wrote in legal documentation explicitly that they don’t want life sustaining measure, but that maybe in passing they’ve mentioned to their nurse or physician. When they become incompetent (coma, dementia, delirium, stroke, rapid decline in cognitive function), the children want everything to be done for dad or mom, and refuse to switch to palliative care or to end life support. 

In those cases, unfortunately, many institutions will go with the families’ wishes because hospitals don’t want to be sued, and families do sue, even when all the medical team has done is respect the patient’s wishes. 

There are many pediatric cases as well where parents cannot cope with their loss and can’t let go. The child could be brain-dead or in persistent vegetative state, and so even though nurses and doctors feel a lot of moral distress at continuously giving aggressive measure that they know it won’t help, they can’t stop. Because if they do, they can get sued. And sometimes it’s not even just a matter of lawsuits. These things can get crazy, media can twist the truth and people can get death threats. Feel free to google these cases. 

So yeah, it happens. But it shouldn’t. Just because it happens, doesn’t mean it’s right. 

And this doesn’t apply to Jiang Cheng. Because he isn’t brain dead, he isn’t in a coma, he doesn’t have frontal cortex damage, he doesn’t dementia. He is in complete control of all his faculties. So what happened to him was a crime. And if there are other examples where patients were forced into/lied to about medical procedures by their family, those are crimes too. 

And yes CQL is a tv show set in fantasy china, so does it all really matter? I guess, if you don’t care that much about the drama, then no, it doesn’t matter. But keep in mind this wasn’t a historical drama, we’re not analyzing a historical figures’s actions with modern ethics. That would be misplaced. This was a fantasy drama, written by a modern girl, living in modern society. And its audiences are people living in the global community, so it should matter how it impacts the viewers who watch it. 

From a modern western medical perspective, Jiang Cheng does not owe Wei Wuxian, Wen Qing, and Wen Ning anything. I liked Wen Ning up until he threw the core surgery reveal in Jiang Cheng’s face so cruelly. People cheered him on, but I was very upset. 

Jiang Cheng owes these three nothing. Not a damn thing. 

[secret-engima]

Continuing the saga of “SE watches the Chuunin Exams/Naruto OG and gets steadily more confused by the plot holes”:

-Jiraiya. You show up for ONE SCENE, summon a big frog and ... that’s it? THAT’S IT? ARE YOU KIDDING ME? THE ANBU DID MORE THAN YOU AND THEY WERE NARRATOR STAND INS. And don’t tell me you had to fight the three headed snake thing that’s what the FROGS ARE FOR. LET THE FROGS DO THEIR JOB AND GO HELP YOUR SENSEI.

-Sarutobi, I blame the animators more than I blame you, but it took you like- five episodes after your heartfelt Hokage speech to ACTUALLY DIE. I am no longer sorry about you dying. Except when Konohamaru cried at the funeral. I did feel bad about that.

-Orochimaru how is it every time I think they can’t animate you any uglier, they somehow manage to do so. You’re supposed to be weird looking, but not CARTOON SAGGY my word man what is going on with your FACE when you get upset. That is not a normal expression, for humans OR snakes.

-I enjoyed the Gaara fight immensely, for several reasons:

1. Sasuke admitted that he cared about his team! Smol Emo Boi cares! He doesn’t want them to die! Now I’m miffed that Kishi decided to throw that development away so that Sakura and Naruto would have someone to chase after and whine about through 99% of Shippuden. Sasuke could have been so much better than that.

2. Sakura stood up to Gaara! Like yes, Kishi continues to refuse to let her be useful, BUT. Civilian twig girl took one look at this half-transformed MONSTER coming for her teammate and PUT HERSELF IN THE WAY. That takes SPINE.

3. Naruto henged the giant frog into the Kyuubi and I died quietly from laughter. Just- they TOWER over the forest, that would be seen for miles. I’m sure there’s more than one off screen ninja schmuck out there that spotted the Ichibi and was like “oh no” then, in the middle of fighting other schmuck ninja, they hear the ROAR and look that way again to see THE KYUUBI THAT SMASHED THEIR VILLAGE. RAMPAGING. RIGHT OVER THERE. There were probably so many heart attacks.

4. While I was more than tired of the whole “two old guys stand around trying to kill each other with a glowing sword and a shinigami knockoff” I DID enjoy watching Konoha casually kick the invasion out once the big players were out of the way and civilians evacuated. It also neatly answered my question of where all the Konoha ninja were if they weren’t fighting. They were keeping the villagers safe. Good Strat.

5. Gaara apologizing to his sibs kinda broke my feels. So did the fact they came back for him. Like- maybe fanfic has made me biased, but they COULD have just left him. He scares them, he’s threatened to kill them before, there was a failed invasion going down and everyone had to retreat. They had EVERY EXCUSE to just scoot and leave Gaara to the whims of fate but they came back for him. It’s sweet.

-Moving on past the Chuunin arc (FINALLY) and ... huh. It took what- a week tops for Akatsuki to move in and make a play for Naruto. Yikes.

-Also my reaction to Old Coots 1 and 2 telling Jiraiya they chose him as the next Hokage without his consent (or that they chose him at all) was basically just- *hysterical disbelieving laughter* because you antique MORONS. THIS IS JIRAIYA. HAVE YOU MET THIS GUY? HE WOULDN’T KNOW ‘RESPONSIBILITY’ IF IT CAME AND KICKED HIM HARD ENOUGH TO KEEP HIM FROM HAVING KIDS. HOW, IN AN ENTIRE VILLAGE OF NINJA, IS THIS YOUR BEST OPTION FOR HOKAGE. Oh my word I physically cringed and laughed through the entire scene because Jiraiya is so far from leadership/responsible material it’s only funny when the alternative is crying.

-Because come on. It’s TELLING when they just- folded to his idea to go get Tsunade instead. They would LITERALLY RATHER HAVE THE MIA DRUNK AS LEADER OVER JIRAIYA and yet they still nominated him. The stupid hurts.

-I just about had a heart attack when Sasuke walked up to Kakashi when Itachi and Kisame where RIGHT THERE. EATING DANGO.

-Kakashi how could you do that. Putting your student at risk like that. I know you didn’t know for sure it was Itachi but come on.

-Also Kurenai. KURENAI. I get that it’s been 13 years since anyone last saw an Uchiha that was tiny and brooding and 80% harmless but  C O M E  O N. Genjutsu? REALLY?

-Also Asuma please take the giant shark man and his giant shark sword more seriously you’re going to get hurt. Nope too late you got hurt.

-Kakashi why did you dispel the clone. If you had the clone then Itachi wouldn’t know for sure which one of you to hit with his death jutsus. Kakashi WHY.

-Gai you beautiful terror in green spandex thank you for having a braincell and getting Kakashi medical help and calling for Anbu backup before running in here. Like Kakashi SHOULD have done.

-Also Kurenai and Asuma. Be ashamed. MIGHT GAI had to be the Braincell in this situation. MIGHT GAI. The terror in green spandex with Youth™ coming out his ears.

-It was pretty fun seeing Gai kick Kisame in the face tho. Explains that one scene in Shippuuden too where Kisame kept trying to make Gai remember him and failing.

[ilikemythinksoverhard]

Let’s talk about antivaxxers.

So I’m not an antivaxxer, but I have zero patience for the “anti-vax mom” trope, for the same reason I have no patience for the “daddy issue” rhetoric. How does a girl get daddy issues, pray tell? Because her dad failed her as a parent. Shouldn’t we then take callous swipes at the daddy failure, not the damaged daughter?

The anti-vax movement was started by a fully licensed and reputable MALE medical professional, then Dr. Andrew Wakefield. While he continues to defend his original research, multiple inquiries indicate fraud and conflict of interest. In short, he lied outright and put children’s health at risk for monetary gain.

Yes, the movement was picked up by celebrities including most notoriously Jenny McCarthy, but antivaxxing is also widely supported by Scientology, a religion headed by male David Miscavige and heralded by a number of male has-been A-listers like Tom Cruise and John Travolta. But we focus on the anti-vaxxer women.

Now let’s take a quick detour to the entire history of western medicine and it’s incredible disservice to and abuse of women. The incredible lack of disparity between funding for erectile dysfunction and literally any health condition specific to women. The skyrocketing maternal mortality rates coupled with high cesarean and unnecessary hysterectomy rates. The gender gap in heart attacks leaving women much more likely to die from them than men. If you really want to gag look up the history of artificial insemination ie: how two doctors and a husband conspired to rape and impregnate an unsuspecting woman in need of medical care. Those are top of my head.

And yet, who navigates health care for children? Why, moms do. Now this is not necessarily a jab at the dads themselves, as there are a number of nuanced factors disfavoring their engagement in childcare. However, the reality is that having women be the primary advocates for children within the medical industry creates a foundation of adversity.

Most women have had challenges with receiving medical care by the time they are an adult. Either being dismissed, ignored, having a provider skip informed consent, etc. As they become adults they hear similar stories from the women around them. They likely become educated to the system-wide issues. Most women I know steel themselves to go to the doctor for anything. They probably have switched providers a number of times.

Now they become mothers. And even though dad is more likely to be listened to, respected, and treated well...probably mom is going to be taking the kids to their doctor appointments, along with all her baggage.

If you have never taken a baby or toddler to get shots, allow me to clue you in. It’s awful. Your baby’s eyes go wide and they let out a long wail that ends in a silent scream. At this point, you will beg your baby, “Come on honey, breathe, breathe,” and as they FINALLY gasp in that next breath the nurse will stab them again. And probably again. Usually for babies it’s three needle shots and one oral. I had a set of twins where we got eight shots in one appointment thanks to flu season. And the child is too young to understand what’s going on and looks to you for help and you just have to stand there and hold them down. It’s truly awful. They will run a fever and not sleep that night. They will be fussy for the next couple days. And in a few short weeks it’ll be time to do it again. And again. And again. Finally after the first birthday it lets up and you can do every six months to a year. My six year old still screams though.

So to recap, doctors have routinely and historically positioned themselves against women. Society, as a cruel irony, puts moms in charge of medical care for children. Medical care for children means shots, which come with “discomfort” and also some risks - after all, while vaccines may not cause autism they do sometimes cause injury and death. Otherwise healthy children have in fact died from vaccines, rare but true. Then a licensed medical doctor tells women the vaccine industry is corrupt and harming their children, that as their children scream during vaccinations their brains are being irreparably damaged. Women find that plausible. And somehow, at the end of this saga, we make fun of the stupid Karens who don’t vaccinate their kids because they’re anti-science.

Here are some ideas to increase vaccination rates: step one, invest in upgrades to the delivery system. We’ve been doing shots for centuries. We have nanorobots and a Mars rover and GPS systems and laparoscopic lasers - fix vaccinations so they don’t have to be painful, for crying out loud. Step two, stop demoralizing and degrading antivaxxers. While anti-vax science has been debunked, recognize the rest of the iceberg that causes distrust of the medical industry. Step three, take governmental enforcement off the table and never bring it up again.

There are antivaxxers who change their stance, but never because someone insulted them, tricked them, or forced them.

[honeyglaze-archived]

                 HONEY’S CANON , EXPLAINED: ＴＷＩＬＩＧＨＴ.     CONTENT WARNING: ABUSE MENTION. PREGNANCY, CHILD DEATH, SUICIDE MENTION, DEATH MENTION.RAPE MENTION.

𝐎𝐕𝐄𝐑𝐕𝐈𝐄𝐖.     in my interpretation of the twi.light saga, the cullen family is a single-parent household, in which i headcanon that ESME CUELLAR parted ways from carlisle and edward, and later changes rosalie and emmett, and welcomes alice and her wife, jasper, into her home. 

𝐏𝐀𝐑𝐓 𝐈 : 𝐄𝐒𝐌𝐄 & 𝐂𝐀𝐑𝐋𝐈𝐒𝐋𝐄.     esmerelda (esme) had originally met carlisle at age 16 when carlisle participated in an attempt to bring medical attention to small and underdeveloped pueblos in mexico. after falling out of a tree and breaking her leg, esmerelda was carried off to the medical tent of the visiting doctor. she was immediately fascinated by his pale complexion and golden locks (often a rarity in pueblitos), but even more enthralled by his kindness. growing up, esme often dreamed of the doctor who had once treated her leg, crowning him within her girlish dreams, the perfect husband. but despite her wish for greatness and love, esmerelda was expected to abide by traditions, and so she she married a fellow farmer, carlos evarista. but carlos quickly proved himself far from the kind husband she had envisioned, and esme found herself bound to a home of verbal and physical abuse. despite her wish to leave, esmerelda feels obligated by both her vows and her family, to stay (this is a very common thing in hispanic culture, as women are raised under machismo culture and are raised to believe they serve the man of the house. it is also extremely important to acknowledge the heavy influence catholicism has in hispanic families / marriage). months into her marriage, esme discovers her pregnancy, and after much prayer and fearing for the life of both herself and her unborn child, she flees. now in america, esmerelda thrives in her FREEDOM, more than excited to raise her child upon american soil, only to lose her child two days after her birth. DEVASTATED by the loss of her child and the inability to return to her family, esmerelda sinks into a great depression and throws herself off a cliff in a suicide attempt. barely alive, she’s carted to the local doctor, dr. carlisle cullen, who recognized her battered body to be the happy and carefree teenager he had met once before in mexico. driven by compassion, but without her agreement, he changes her -- and esmerelda awakes to a new life...

unlike the canon written in the books, ESME WAS UPSET by this fact. her life and her death were her own; and without her child and her familly, esmerelda truly saw no point in living. angered and hurt by carlisle’s actions, esmerelda flees once again, eager to reconnect to god and to discover her new meaning in this life... 

𝐏𝐀𝐑𝐓 𝐈𝐈: 𝐄𝐒𝐌𝐄, 𝐑𝐎𝐒𝐀𝐋𝐈𝐄, & 𝐄𝐌𝐌𝐄𝐓𝐓.     esmerelda had only been visiting rochester, when she is drawn to the beaten and battered body of rosalie hale -- assaulted, abused, and left for dead. her heart aches at the sight and esme quickly sits herself at the young woman’s side. with rosalie’s head cradled in her lap, esme attempts to soothe her pain with hushed whispers and prayer, when it hits her -- that esme could offer more. life... this, was what she meant to do. to love, to care, to give life to those who deserved more... it is then esme makes her suggestion, and with barely a breath, rosalie agrees. (note: before, i headcanoned that the main reason behind rosalie and carlisle’s rocky relationship was due to the fact that there was no consent in regards to her change, after a nonconsenual assault by a different white man... when you replace both facts with CONSENT and a woman, particullary a woman of color, rosalie is then given the chance to TRUST, and i’m all about giving rose a happy and healing environment, thank you).

with rosalie beneath her wing, esme ensures a safe and loving environment for her prodigy to thrive in. it is during this time that rosalie first encounters emmett. while on the prowl for a meal, rosalie at first thinks of emmett as a potential source, only to find him unbefitting to her criteria (another reminder that my rose does feed on humans, particularly men who abuse or speak ill of women). his kindness, humor, and respect for her is what made emmett memorable when she encountered his mangled body in the woods. not wanting a true DECENT man to die, she carries the body to her mother and maker, esme. truly moved by prodigy’s plea, esmerelda agrees -- but only with emmett’s consent. with his agreement, emmett is changed and offered to be a part of their new found family should he wish it... 

𝑷𝑨𝑹𝑻 𝑰𝑰𝑰: 𝑬𝑺𝑴𝑬, 𝑨𝑳𝑰𝑪𝑬, & 𝑱𝑨𝑺𝑷𝑬𝑹.    alice was drawn to the cuellar family after a vision of her future with them. with her wife, jasper, in hand (another reminder that i am exclusive, even if they aren’t active, with @ionclouds​‘ jasper) alice leads them to their future family, eager to meet the woman she called mother in her dreams. esme was elated to find alice and jasper upon her door, and was eager to welcome them in. but unlike the canon written within the series, it was not alice who introduced the vegetarian lifestyle, esme was already a “vegetarian”, as was alice at the time before she and jasper joined rosalie in her hunts for criminal men. although esme does not exactly agree, she understands and allows her “children” to act as they please, as long as there is a respect for human life. 

𝐓𝐋;𝐃𝐑 /  𝐅𝐈𝐍𝐀𝐋 𝐓𝐇𝐎𝐔𝐆𝐇𝐓𝐒.    esme was NOT unphased by her new and sudden life, and esmerelda would not willingly walk into a new relationship and marriage with a man she did not know especially after leaving her abusive husband and losing her child. esme being the sole “parent” of the cullen household makes way more sense to me and also offers a better enviroment for rosalie, who yes -- DESERVED MUCH BETTER and i’m determiend to give it to her. this does not mean that i won’t ship / interact with carlisle blogs / or participate in the book canon -- that will be an AU. but when it comes to carlisle, i can definitely see them meeting again in the future, and potentially starting a romance there. but in my main verse and in my canon: the cullen house is run by the one and only momma esmerelda cuellar. 

[fragments-of-a-hologram-dystopia]

Review: Shards of Honor

Author: Lois McMaster Bujold

Year: 1986

Genre: space opera/military sf/romance

Notes: First novel of the Vorkosigan Saga in chronological order. (Preceded by Falling Free, but Falling Free is set 200 years earlier and it does not involve the main characters of the saga). Read this review in Italian here.

Captain Cordelia Naismith from Beta Colony is exploring a new planet with her crew. Their camp is attacked while Cordelia is away, and her ship is nowhere to be seen. But she’s not alone on the planet: another Betan, Dubauer, has been left for dead (and his brain has received serious injuries), and there’s a Barrayaran officer too. Cordelia is less than enthusiastic as she discovers that those who attacked her camp were indeed from Barrayar, a militaristic planet which claims ownership of the planet she was exploring. Slowly she finds out why that particular Barrayaran officer has been left for dead too. He has powerful enemies, and quite a reputation: he is Lord Aral Vorkosigan, the Butcher of Komarr.

To her utmost surprise, Vorkosigan is a respectful man, and helps her attending for Dubauer and takes Cordelia and the wounded Betan on a five-day hike to a secret Barrayaran cache of weapons and supplies. If they want to get rescued, that’s the only chance they have.

Cordelia’s respect for Vorkosigan turns into something more as he turns out to be a honorable man. He may have done terrible deeds, but reality is more complex and life on Barrayar has terrible demands. Surprise surprise, mutual respect turns into love for both of them.

Before you run away: no, this is not solely a love story. While, yes, Cordelia’s adventures (the story is from her pov) and her feelings for Vorkosigan are fundamental, there’s a ton of interesting themes in the plot - and there’s the gripping space opera action, obviously. From the dangers (political and real) of imminent war, to the choices a person can make in a demanding society that transforms kind human beings into monsters. And let’s not forget the themes of consent and medical treatments/therapies, as you’ll understand while reading the novel. It’s very easy to get into Cordelia’s mind: she’s not a perfect heroine, she has flaws, but she’s strong in her own way (in a way Vorkosigan would have never expected). She can kick ass, save lives and use her knowledge to gain the upper hand. But she also has traumas and fears. It’s worth mentioning that neither of them is very young and/or handsome: she’s in her thirties and Vorkosigan is in his forties, and he’s never described as a traditionally good-looking man… but as Cordelia falls in love with him, so does the reader. It’s an interesting love story because you actually care for them. Their relationship is extremely human, not too cheesy and unbelievable. They both have roles, families, responsibilities, and there’s no running away from those… not with interplanetary war looming in the background.

It’s not a super perfect book either: Vorrutyer looks like a cliché villain who would be ridiculous if he weren’t scary, and I was baffled about Cordelia’s behaviour in his presence. Cordelia is also very lucky in a circumstance I won’t mention because spoilers. Nothing too deus ex machina-ish, luckily for us.

As you can probably tell by now, I had a lot of fun reading this novel. There’s a lot going on - romance, war, action, important themes - and you’ll definitely want to read the next book in the series as you finish this.

[theuntamednarrator]

anon should definitely check out @drwcn if they want good meta about consent and the core transfer. check the #medical consent: a running saga tag

What do you think about the golden core transfer? I've seen the opinion that it was wrong and arrogant for wwx to do it without jc's permission and while I don't fully disagree I still don't think jc was in the right state of mind to be able to really make a life altering decision like that had wwx asked. And I feel like had wwx told him the full plan he would have refused if for nothing else but pride but if it hadn't been done he would have eventually wasted away without a core and so what else could wwx have done but to keep it a secret. And so I think it was all he really could do to save jc even though maybe he should have actually told him about it once the situation calmed down instead trying to take the secret to the grave with him.

(throws back drink) (walks to the CQL veterans corner of the bar) (yells)

hey y'all I've got another one for the core 'course, whose blog was doing it back in the day

[bloginstantmooncollector-blog]

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Where can I find affordable dental insurance for my father?

He is 50+, I live in Michigan,help please?? I tried looking, but no progress. I want him to get something affordable so he can have better and healthier teeth. Thank you, Jenn""

What's the average public liability insurance cover figure in the United States?

What's the average public liability insurance cover figure in the United States?

What companies provide auto insurance for adult learners?

What companies provide auto insurance for adult learners? I am an international student in Ohio. I am older than 21. I get a learner's permit recently and am now looking to buy auto insurance. I am independent and can not be added to other people's policy. I have been searching the Internet, including Yahoo! Answer, for one week to buy auto insurance for adult learners. It seems the majority say I have to be added to other people's policy. Some say I can do it by myself without giving further details. It seems that no insurance companies are willing to give me a quote considering my situation. GEICO is willing to give me a quote one month before I get my DL. Are there some companies that give adult learners' auto insurance? Thanks in advance.""

How will universial health affect the insurance industry?

How will universial health affect the insurance industry?

Car accident no insurance?

I live in California and I was just in a car accident and I was at fault but I just found out the girl driving has no drivers license only a passport because she's from Mexico. Her husband had given me all of his information so fast I forgot to ask for hers because I have never been in one before. If she doesn't have a drivers license would I still be at fault?

Could I swap my 50cc scooter's insurance to another bike?

Hey everyone, I was wondering if I sold or swapped my 50cc scooter and got a 50cc geared bike could I get the insurance from the scooter and put it on the new geared 50cc? If so would it affect anything? or cost me money? Would be a massive help if someone could help me out! Thank you for advance :) Information which might be helpful: I paid for 1 year in one payment (annually). I paid for the insurance last month so I still have a lot of insurance time left. Don't want to waste money!""

My cars milage is unknown does this affect me getting insurance on this vehicle?

current odometer reads 106,000 miles . but car has more miles because odemeter was once broke before being fixe i bout a used 94 accord and the odometer currently works but previous owner bought the car with broken odometer. and on( title )/ pink slip it marks odometer reading is not the actual milage..... will this affect me getting insurance on this car.. i dont want them charging me a lot of money for trying to fraud them on the milage will they even ask milage will i be in big trouble if i put the current odometer reading but the company finds out it has more? do i need to go back to dmv and get some paperwork? do i need to point out that the pink slip states milage is unknown? and make sure insurance company documents this befor signing me""

Can my husband take life insurance out on me without me knowing in the military?

hey my husband is in the military and he has a life insurance policy on him and i only have a small portion of it and everything else goes to his mother but i just recently find out he has life insurance out on me way more than i would get from him and i didnt sign anything so im wondering can he do it without my consent? and can i cancel it?

How do I know what medication is covered under my insurance?

I have BlueCross BlueShield, and my card has an Identification Number, Group, and Plan Codes. But how do I know what medication is covered for me? Can I find this on the website?""

Fort Mitchell Virginia Cheap car insurance quotes zip 23941

Fort Mitchell Virginia Cheap car insurance quotes zip 23941

Is there an insurance company that will insure you after you've not had any for almost a year?

A friend of my gf's couldn't afford it before but can now since she's gotten a better job and cannot find it anywhere. I'd appreciate it if you'd keep the smart *** answers to yourself. Serious replies only

I need help with auto insurance?

first time purchasing auto insuranace in it say that i only have to make 6 payment of 177$ then that it. now does this mean i will have insurance free for life after that ? or what happens? also so im going with safe auto minimun insurance. thanks

How long do I have to get insurance on a car I just bought in Pa?

My boyfriend bought a car in private sale over the weekend. Because his parents don't have his name on the insurance cards I had to put the title and registration in my name. Now how does he insure the car with it in my name? And how long do we have to get the car insured?

Does anyone know of any good and affordable marriage counslers in york pa?

My husband and I desperately need marriage counseling before it is too late. We are very poor and can't afford much. Does anybody know of someone good and affordable? My health ...show more

Drivetime Student Car Insurance- any good?

I'm just doing car insurance quotes and came across Drivetime Student where you can't drive after 11pm and before 6am for a 40% discount - does anyone have this insurance and is it any good? Also are you on the odd occasion allowed to go out after 11pm?!

Car Insurance for Teens?

Hi, Im 16 years old, going to get my license, and did parent taught drivers ed. All my life, ive wanted to drive, but now, I hear that car insurance for teenagers is so damn high. I heard it is at least 200 a month, and I know for a fact my parents cant afford that? What should I do? Some people I heard pay only 20 dollars a month, how the hell did they get suc ha low rate? Also, Id like to drive a sports car, which im guessing is gonna make insurance way higher. So where can my parents get affordable insurance for me?""

I was in a car accident and the insurance company wont pay me.?

I was rear-ended back in March of 2012. I was at a complete stop on the freeway and the guy hit me going about 30 mph. The force of him hitting me pushed me into the person in front of me, and that pushed them into the person in front of them. There was no visible damage to the cars in front of me and they left without leaving or taking any information. Now my issue is: When I tried calling the person's insurance company, the insurance adjuster told me that because there were 2 other people involved and they did not leave any information that they cannot give me coverage because the guy who hit me has a very low coverage rate and if the other two people called to get money they wouldn't be able to pay it. And that I have to wait 2 years before I can recieve any payment for the damage to my car. I did not have insurance at the time of the accident so my current insurance company will not help me with this issue. Please let me know what I can do! I live in California by the way.""

Car insurance.......?

If I lend my car to a friend and they have a prang into another car and the friend is not covered by any insurance to drive my car what will happen? Will my insurance be effected?

""Concerning car insurance, why would your credit score effect your premium?""

why on earth would your credit score have an effect on how much a person pays for car insurance? i was told by independant that my rate would be lower if i had had a more favorable credit history. theres not even anything wrong with my credit. what the hell is that all about ,can someone explain this?""

Do I need car insurance once I get my driver's license?

Can I just get my driver's license and not drive the vehicle? Because I know if you drive a car you need insurance, but what if I just have my license and am not driving anything? Also, I heard about this family policy that if I'm driving a parent's car with my driver's license I'm covered under THEIR insurance? I am not talking about a learner's permit, I'm talking about an actual driver's license. I can get my license on December 4th. Thanks for your answers!""

How much could I pay for my car insurance?

I'm making a finance for my Kia spectra 2007. I'm 18 and just got my liscence. It has to be full coverage. One insurance company told me 600 per month and that's just too much what do you think?

Can anyone tell me about affordable life ins. after age 80?

I have a term policy that will expire in two months, and would like to find an insurance co. that has some ins. that is not priced so high that I can't pay the premiums. Thanks for not sending any SPAM !!""

Does the mazda 3 have high insurance costs?

just wondering if it would be in the sports car range or the sedan range?

Auto insurance for a 16 turning 17 year old for a 2003 mustang gt?

I'm just wondering how much it will be. I have a 2001 v6 at the moment and my parents pay for my insurance and they don't know for sure how much it even is for my little sixer (they insure 5 vehicles) can anyone help me out? I live in new jersey

How much would insurance be?

In the next couple months I'll be in the market for a 2006-2008 7series BMW. I'm 17 and this would be my second car. Approximately how much would I be paying a month for the insurance? Thanks in advance.

Car insurance queries?

its got no insurance but taxed and motd can i drive it on my licence i can drive any car not belonging to me with owners permission

What is a good website for getting non owner sr22 insurance?

Non owner sr22 insurance. I don't own a car and I do not have the time to make calls for insurance quotes. So I'm looking for a good website for getting cheap non owners sr22 insurance. Anybody knows someone? Thanks

When should I apply for car insurance?

I've been a named driver on my boyfriends policy with the car being in his name for the past couple of years. Now he has a company car and I need the previous car to be insured in business class for my work, we've sent away the forms to the DVLA so I will be the registered owner. But I'm wondering, whether now it means our previous insurance covers the car which i'm still driving daily or not, so should I apply for my own insurance now for when the documents come back or wait until after I recieve the documents!? I'd hate the thought of being pulled over and getting points on my licence for not getting this change over correct! Thanks for any help!""

Car Insurance for Citroen Saxo?

So i've been looking at cars seeing as im 17 and learning to drive. Well i really like a car ive seen which is a Citroen Saxo 1.1 litre and 2003 model. Round about how much insurance would it be? one of my parents would be on the insurance also and they have no claims. I'm female by the way if that makes much of a difference? Help would b appreciated :)

""My car was totaled, can I haggle with the insurance company?""

My car was totaled and the insurance is only offering me $11,500, but the same car (year/make/model) with same mileage on it ranges from $13,500 - $15,000 in my area. Can I haggle with them to give me more? I have not yet accepted the $11,500, I tried to tell them, but they keep saying they won't give me more, shall I ask for a supervisor, I don't know if insurance companies are starting off low and you can drive it up a bit?""

Cost of insurance for a Motorcycle?

I'm in Montreal Quebec. I'm 18 and wondering how much the insurance will be? I heard since I'm under 25 they will make me pay $5000 a year for insurance. Is this true? If not what is your estimate?

How do I calculate my monthly house insurance for my math project?

You will also have to purchase house insurance, which costs a yearly average of 0.3% of the purchase price of your home. Calculate your monthly house insurance. What should I add, divide, and/or mulitply? Thank you for your help!""

Homeowners insurance question?

I've carried my auto and homeowners insurance with State Farm for about 15 years. I've had multiple auto claims but only one claim on my homeowners poicy. I had my roof replaced about four years ago when most houses in the area were damaged by hail. I've been very happy dealing with state farm but I'm considering a change to travelers. Travelers sent me a quote that if accurate reduces my homeowner insurance to about $900 per year as compared to the slightly lower benefits from State Farm which is costing $1200 every six months. What opinion do you have of these two companies and what do you base it on. Will Travelers drop me after the first claim and do they pay claims quickly? Please give your opinion on my making a change. Thanks.

Insurance for pre- existing condition?

My friend was recently diagnosed with a brain tumor, she has scheduled a MRI for march and then they will determine whether she can go through surgery. The problem is she had recently exchanged jobs (just prior to the tumor news), and apparently cannot be covered with her present Insurance company as her condition is pre-existent. Now, the tumor is located in the fourth entricle of the brain (where the spinal/cerebral fluid is housed). She will probably need Chemotherapy. Can she be re-insured or covered by a different plan.? Can a single mother qualify for medi-care instead? She is in TX""

Car insurance legal team?

Do you have to use the legal team that comes with your car insurance or can you choose an independent one? Had an accident and am not happy with the insurance company's attitude - we had a rear end collision.

Fort Mitchell Virginia Cheap car insurance quotes zip 23941

Fort Mitchell Virginia Cheap car insurance quotes zip 23941

Average cost in nj for 17 year old girl for car insurance?

thanks

My insurance and buying a new car?

Ok so I've been recently driving for more than 2 years and i haven't been in any accidents (knock on wood) and I've been looking into buying a new car (current car is 22 years old). Buuuuut my dad told me since that we're with Mercury insurance, i have to wait a total or estimate of three years to buy a new car without my insurance going through the roof. Do i really have to wait another year to buy my car???? Should i just wait? I plan on buying a 2014 Chevy Cruze 2.0TD""

Which insurance is needed?

I'm looking into buying mascot costume for myself to wear at events or childrens parties etc , After struggling to find any local enough on several occasions ive decided i'm going to do it. Sooo... I've looked into insurances but just want to make sure im right as i'm not to clued up here .. I need public liability & i want product liability . Is there another i will need? I wont have a premises as such as all my costumes will be at my home but do i need a separate insurance cover for stock at home or can i just up my contents cover for these? Is there any other insurance i need. Thanks""

Car insurance for a 17 year old? HELP?

Im 17 in the uk and passed my test 2 months ago and have been insured as an additional driver on a parents car since then (2500 for one year on a ka what a piss take). no claims or convictions, nothing. I've been looking to buy my own cheap car but the prices insurers are asking for on comparison websites are absoloutley ridiculous, 10,000 annual for a ford fieta worth 900! I've tried choosing cars with small engines like a citroen c1 but STILL ridiculous quotes. How ar other youngsters complaining of their annual insurance of 3000 when I cant even find one under 10,000!!!! WTF. How are 17 year olds driving their own cars at my college? from what I've seen its financialy impossible unless their parents are millionaires. Half the insurers I go to online are 'unable to offer a quote', and theres no point in me taking pass plus because that'll only take 100 off of a giagantic quote which'll make no difference whatsoever. WHAT THE HELL. my postcode is RM7 if that makes any difference? Is there any kind of specialist young driver insures that I can go to who'll give me a better deal? I mean even if it was 5000 annual I'd be happy! Or insures that do that black box in your car thing? Because Im actually a very safe driver and having to pa astronomical amounts because of statistics is rather annoying. So any ideas of insurers I can go to direct to try and get a decent deal? thanks""

""Turning 16, Car Insurance?""

I'm turning 16 in April, 2012. I'd like to get a car / drivers license around my 16th birthday. My dad mentioned I need drivers ed, a car, car insurance, and hopefully that's it! Lol. How much would insurance be for me, at 16? Any advice, or suggestions abou my situation? I'm a good student in school with a 3.14 GPA, and pretty responsible.""

Am I paying too much for my health insurance?

I'm 23 year old and non smoker, I got my health insurance from my company's employee benefit, and I'm pay $29 a week for this coverage: $20 office visit $115 ER They pay 80% I pay 20% Deductible $470 Out of Pocket Max $3500 Am I paying too much? How much would I be paying if I get this benefit by my own and not from my company?""

Why Will Companies Keep Offering Health Insurance?

Why Will Companies Keep Offering Health Insurance? Who here believes that if Universal Health Benefits are offered through the US government to all US citizens that companies and employers will continue to offer health insurance benefits to their employees as a payroll/benefits expense. Do you really believe companies will continue to pay such a large amount of overhead when they can simply stop offering those benefits and let the government program take over? What employer in their right mind would keep dishing out $500 a month per employee when the government is begging to take that system over? If you think Yes, please tell me why.""

Should i get life insurance or not?

i know the end is near for me and i think it would be good for me to get life insurance ive destroyed myself and my own life i think it would be appropriate for me to get life insurance so the funeral could at least be covered thanks 10 points

""Car title, insurance, different names?""

Can the title of your car and the insurance be in different names, or do they have to be in the same name??""

The cheapest insurance band car my 17 year old son can buy?

My son is going to have driving lessons soon and I'd like to know the type of car to buy which will be the cheapest on insurance for him. Also will it be better for me to buy it and him be the named driver or the other way aound? Thanks

If you chose car insurance just by commercials?

If you chose car insurance going by the commercials what car insurance would you choose and what do you actually have, if you have a car?""

Thinking of switching to Progressive Insurance?

Would like to know if anyone has Progressive Insurance for auto insurance. Would like to switch to them from Farmers because I can double my coverage for the same price as Farmers. Has anyone had problems with Progressive such as filing a claim? or rate increases for no reason. I have not had an accident in over 14 years, knock on wood. Just afraid if I switch my rates will go up for no reason. I know there is good and bad about Progressive. Any input would help. I live in California""

What do the insurance groups of cars mean. for instance is 1 high or low.?

What do the insurance groups of cars mean. for instance is 1 high or low.?

""Can you take drivers ed after you get your license, and still get an insurance discount after the class?""

I have my driving test coming up, but have not taken the class or an ODOT (Oregon Department of Transportation) approved driving course, and was wondering if i had to take it before i got my license to get better insurance rates.""

I had a commercial accident in 2008 and looking for a chep insurance plz help?

I live in toronto i have been driving car with G licence since the end of 2000. i had a commercial accident in 2008 in which i was found guilty but no claim was paid. im still driving and looking for chaep insurance for a car. anybody's advice would be greatful.

How much does auto insurance drop at 25?

I turned 25 a couple of months ago and it looks like my auto insurance only dropped $1.81/month. Isn't it supposed to be more of a discount than that? I have a clean record, no accidents or tickets.""

""When I talk to a Christian, they remind me of life insurance salesperson, does it remind you of of that?""

They keep preaching (selling, giving) after death life insurance Of course they will tell you its FREE, but any time anything is free it most likely cost you a whole lot more that its worth.""

""After I get my permit, can I buy a car and get insurance? I'm 19 & live in PA.?""

READ FIRST PLEASE. -I'm 19 and live in PA. -I'm getting my permit within a month. Two questions: 1. Can I buy a car with only a permit? 2. Do I get insurance before I buy the car or after I buy the car? 3. Also, I'm buying from a private owner. How do I register it, etc? Thanks!""

Is their any where that can calculate the average price of car insurance without details?

I just want to calculate the average cost for car insurance without the hassle of putting in my personal details being that it will be at least 2months till i get my licence.

I reasonly got layied off need my wife is haven a baby need to know about insurance?

i got layied off from my job im a union worker in nyc and i have to work a certin amout of hours to keep my heath insurance going . my term ends in june my baby is do in july there for i will not be covered when the baby is do . does any one know what i can do for covrage i have aetna ? is there anyway i can extend my insurance ?

Can i stay on my sister car insurance?

right now i am 18 and living with my sister and i am on her car insurance, but in about 4-5 months i am moving out. Can i stay on her insurance even though i wont be living with her?""

Where can i get information on the popularity among savings insurance vs health insurance?

I would like to know which is higher on the premium you have to pay for savings and health insurance? savings or health insurance is higher? how can i get info on this?

What do you pay for car insurance? per MONTH?

How old are you and what do you drive? How much would insurance for a brand new 16 y/o driver typically cost? just an estimate? thank you.

How do I find cheap and decent health insurance in Vermont?

I'm looking for health insurance that will be affordable (read under $100 a month) and have fairly decent coverage. Also I would very much like coverage that will start very soon after applying, the sooner the better. Any one have any suggestions?""

Car insurance question?

My boyfriend doesn't have a car therefore he doesn't have car insurance... If he were to get into an accident driving my car or get a ticket, would my insurance go up? I have full coverage and the insurance company said he and I would be covered. But I was wondering if my insurance would go up if he were to get pulled over or get into an accident.""

Fort Mitchell Virginia Cheap car insurance quotes zip 23941

Fort Mitchell Virginia Cheap car insurance quotes zip 23941

Car insurance!!!!?

i need to know what the average car insurance for an 18 year old girl working in a hospital's peugeot 106 1.1 litre would be.

Aircraft insurance rates with DUI/DWI charge?

If one is a partner in a small aircraft, what effect does a potential DUI/DWI have on aircraft insurance rates?""

Blue Cross/Shield health insurance?

Is this Insurance corporation a good one or a bad one to have as a health care plan?

How much do you pay for car insurance?

I am currently a 24 year old male and I think my car insurance company is not giving me the best deal. Who do you get insurance from, how much do you pay and if you don't mind me asking, how old are you and what car you drive. Also what factors determine how much my insurance payments will be?""

How do you get cheap car insurance for an 18yo?

I need to find cheap car insurance for an 18yo female who owns outright an $11000.00 car. Any suggestions?

Why is my car insurance company charging me 2 premiums?

I go through farmers insurance and last month I paid a premium of 94.42 and now this month I'm being charged a premium of $83.70 plus a renewal adjustment of $7.27 does this mean my car insurance is always going to be this high? It was only $67 last 6 month cycle.

How to get cheap car insurance?

its for my brother, hes 17 and needs car insurance hes looking at a corsa. we have tried to do it all the known cheapest ways such as a group policy and with my mums no claims etc anyone any suggestions, please help! :)""

How much would the insurance be for a Porsche Cayenne Diesel a year?

The insurance would be for a female driver with over 25 years of experience. How much would it cost a year, and also how much would the monthly diesel bill be? Thanks""

Can you get car insurance scams? 80 insurance?

im 20 years old and looking for car insurance for the first time on my first car. I have a friend who knows someone working at diamond who has quoted me a really cheap amount for both me and my brother. it comes to 994 a year for me and my brother both and a monthly payment of 80, however he is asking for a personal fee of 650 for doing it so cheap. is this trust worthy? im so baffled please help!""

Does anyone know any really cheap car insurance companies for old cars?

I have an R Reg Corsa 1 Litre, and 6 years no claims, but it seems to be the age of the car that's bumping up my insurance policy? HELP!""

Help me! Car insurance!?

i need to buy a car, how does it work for the insurance? Can I do the car insurance without the car, but knowing what I'm going to buy?""

How much more is insurance if I don't take Driver's Ed.?

I'm nearly seventeen, and I don't even have a permit :X, I was never able to find my proper documentation (no, I'm not illegal, I just HATE going through beurocracy). I live in Iowa, and I have to wait six months before I can get my license. But it'll be a limited license, and in order to get it I have to take three months of driver's ed. and do twenty hours of independent driving. So if I got it in March, the earliest I could drive would be September. But I won't have a car, and I don't need a car; and I don't have the money for a car. So I figured I'd wait until I was eighteen, which would be in May of 2011, because I wouldn't need any needless requirements, and I wouldn't have to take driver's ed. But my question is; how much more would car insurance be if I didn't take driver's ed, and just went for my full license when I was eighteen?""

""I'm looking for a good, affordable car, can you help me?""

I'm 16 years old, soon to be 17 and I'm looking for a car. I don't have a ton of money to spend on a car so I'm also looking for something cheap. I like the 2004 Chevy Malibu a lot however I want something that is automatic. I guess now I'm looking for something similar to the malibu just automatic. I'm planning on making a $2000-2500 down payment on the car so like I said, I need something that's not to expensive. I'd like a car that's the same size as the malibu and possibly a car that somewhat resembles the malibu as well. Anyone with any suggestions, comments, or whatever, I'd greatly appreciate your help here. Thanks in advance.""

What is the average car insurance for a 16 year old?

I'm 16 years old, and just passed my drivers license test. I live in Washington State and am going to be driving a 2002 Hyundai Elantra. Does anyone know how much I could be looking at for insurance monthly? (my mom is currently insured with Progressive) -Thanks""

About car insurance what will happen?

okay so a few days ago i was driving my breaks dident stop in time it was very slow and i wasent going that fast at all my breaks dident stop in time and i left a very very lil scrab on a guys car and he said if i cant get 220 dollars by tomorow he will call my moms car insurance will that make the price higher?

How much does insurance on a 2012 corvette for a 16 year old cost?

i know what you're probably thinking. who would buy a 16 year old a brand new corvette? but i have enough to buy one for myself, i am 16 at the moment, so can you tell me how much insurance would cost? please no comments about there being no way i could get one.""

How Much Is Insurance For a 16 Year Old Girl?

16 year old girl Good school attendance record.Grades could be better. Dallas,Texas. Hispanic(If that matters) Mom and Stepdad have Allstate insurance What is the general price range? And for these cars,can you estimate(I'm NOT getting these cars just curious)I am getting a used Dodge avenger though!(: 2008 Dodge Charger 2010 Chevy Camaro 2008/2009 Dodge Avenger""

What Multiline Insurance Company is the Best?

I need an insurance company that will do all line of insurance. Life, Auto, Home, Disability, Long Term Care and even Financial products. I heard COUNTRY insurance does that but I'm not sure.""

Insurance quotation question?

hi my car was recently hit from behind by a third party at the time my brother was driving using his own insurance everything has been sorted out by the insurance company's do i need to declare this on any future car insurance quotes?

Where can I find a CAR RENTER'S INSURANCE that I could use for a week?

Found a cheap rental car- but they require insurance. Need a short short term insurance for renting car- HELP?

Will a speeding ticket make my insurance go up in texas?

i got pulled over when i was 4 hours out of san antonio tx on my way to corpus and i dont have to make a court appearance nor do i have the time cuz i hafta pay my ticket by the 20th of this money. i called the court and they said all i have to do is just pay the ticket. i don't want my parents to find out of they'll flip out. Will my insurence go up? how can i stop it?

How much do insurance adjusters cost?

I am fighting with my insurance company regarding fixing my motor on my boat. The insurance company already denied my claim. So now, I asked them for a second opinion and was told by the claims representative that I would have to pay for the second adjuster to come out. However, her boss did not tell me that I would have to pay out of my pocket for a second adjuster to come out and look at my boat. So I was wondering how much will it (might) cost me to have the second adjuster to come out.""

How much will my speeding ticket be and is it possible for my insurance not to go up?

I got pulled over doing 96 in a 70mph speed limit. In california around King City and I want to know a couple things. How much will the ticket approximately be? Is it worth contesting? Will going to driving school make it so I don't get a point on my license? And how do I make it so my insurance does not increase?

How much does insurance usually pay off if your car is deemed totaled?

Ok, so, my car incurred some damage due to the recent flood waters of hurricane Ike. A person from Safe Auto insurance company is coming out tomorrow to assess the damage. When we spoke to him over the phone, he said it sounded like our car would end up being deemed totaled. There is still amount owed on the car. If we were to pay it off tomorrow it would be $3100. The value on the car varies from tprivate party value in good condition being $3900 to retail value being $5600 in our area. We have a $500 deductible. Now, if the car is infact totaled, how does the insurance pay out?""

What Insurance Agency Will Cover Salvage Rebuilt Cars?

I own a 2001 Ford Focus that I'm just now finding out is a Salvage Rebuild vehicle. I switched from the New York State insurance to Geico because it was cheaper, but Geico doesn't cover salvage rebuilds (I only found out it was a salvage rebuild because it was on my title). I purchased the car from my great-grandmother, who purchased it from a dealership in 2004. According to them, they do not sell salvage rebuild cars, but lo and behold, it is a salvage rebuild (from NJ!). I need an insurance company by the 9th of this month that isn't going to cost me an arm and a leg for a downpayment ($298 for GMAC... eesh). Does anyone know of what insurance agencies DO cover salvage rebuilds and are online?""

Fort Mitchell Virginia Cheap car insurance quotes zip 23941

Fort Mitchell Virginia Cheap car insurance quotes zip 23941

https://www.linkedin.com/pulse/life-insurance-quotes-crohns-disease-priscilla-glenn/"

[abdallahalhakim]

Got real rights? Not when seeking health care.              

Until genuine rights are extended to all patients, the ongoing health-care-reform saga perpetrated by Congress and executive leadership will continue to fail the American people. Many Americans have suffered and died because of a broken health-care-delivery system. One of us lost a 19-year old son due to lack of certain patient rights – specifically the right to evidence-based medicine and the right to a complete discharge plan from his hospital. His cardiologists failed to replace potassium as required by an evidence based guideline for patients with low serum potassium and concomitant cardiac arrhythmias.  He had collapsed while running, and his cardiologists knew he should not return to running; however, they failed to communicate to him, through a complete discharge plan, not to resume running for fear of sudden cardiac death. The only warning he was given was to not drive for 24 hours. Having received a mistaken “clean bill of health” during his follow-up visit five days later, he returned to running and died while running two weeks later. If this young man had been granted genuine patient rights, he would be alive today.

Recent studies have shown that the loss of American lives from harm during hospitalization  runs into the hundreds of thousands each year, causing medical errors to be called the third-leading cause of death. Most of these adverse events will be preventable when proper patient rights are established, known by patients and providers, and enforced by federal authorities. Preventing these adverse events is not a matter of “cracking down” on malpractice or punishing honest mistakes, but about restoring mutual trust and respect between doctors and patients. Too often, patients are told what to do without having a true discussion with their clinician about the decision, or even realizing that they have a choice in the matter. Lack of informed consent for heart patients is one example. Patients have the right to have an equal say in their health care decisions, with all the necessary information available to them. We need to open up honest decision-making conversations between doctors and patients by establishing these rights as a routine and sacred aspect of medical care.

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[Read More ...] https://www.kevinmd.com/blog/2017/11/got-real-rights-not-seeking-health-care.html

[mrmarknewman]

Got real rights? Not when seeking health care.              

Until genuine rights are extended to all patients, the ongoing health-care-reform saga perpetrated by Congress and executive leadership will continue to fail the American people. Many Americans have suffered and died because of a broken health-care-delivery system. One of us lost a 19-year old son due to lack of certain patient rights – specifically the right to evidence-based medicine and the right to a complete discharge plan from his hospital. His cardiologists failed to replace potassium as required by an evidence based guideline for patients with low serum potassium and concomitant cardiac arrhythmias.  He had collapsed while running, and his cardiologists knew he should not return to running; however, they failed to communicate to him, through a complete discharge plan, not to resume running for fear of sudden cardiac death. The only warning he was given was to not drive for 24 hours. Having received a mistaken “clean bill of health” during his follow-up visit five days later, he returned to running and died while running two weeks later. If this young man had been granted genuine patient rights, he would be alive today.

Recent studies have shown that the loss of American lives from harm during hospitalization  runs into the hundreds of thousands each year, causing medical errors to be called the third-leading cause of death. Most of these adverse events will be preventable when proper patient rights are established, known by patients and providers, and enforced by federal authorities. Preventing these adverse events is not a matter of “cracking down” on malpractice or punishing honest mistakes, but about restoring mutual trust and respect between doctors and patients. Too often, patients are told what to do without having a true discussion with their clinician about the decision, or even realizing that they have a choice in the matter. Lack of informed consent for heart patients is one example. Patients have the right to have an equal say in their health care decisions, with all the necessary information available to them. We need to open up honest decision-making conversations between doctors and patients by establishing these rights as a routine and sacred aspect of medical care.

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Your patients are rating you online: How to respond. Manage your online reputation: A social media guide. Find out how.

from KevinMD.com http://ift.tt/2jCz50A