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  • Re: The States: North Dakota is Still the Worst

    Originally posted by bronconick View Post
    When you get car insurance in Michigan, you have to get lifetime catastrophic health coverage that is covered by insurance for a half million and the rest by the MCCA That tacks on $160-200 per car every year.
    Why is that a bad idea? Making sure people have appropriate coverage seems wise to ensure victims are properly taken care of.

    Am I missing something stupidly obvious?
    Code:
    As of 9/21/10:         As of 9/13/10:
    College Hockey 6       College Football 0
    BTHC 4                 WCHA FC:  1
    Originally posted by SanTropez
    May your paint thinner run dry and the fleas of a thousand camels infest your dead deer.
    Originally posted by bigblue_dl
    I don't even know how to classify magic vagina smoke babies..
    Originally posted by Kepler
    When the giraffes start building radio telescopes they can join too.
    He's probably going to be a superstar but that man has more baggage than North West

    Comment


    • Re: The States: North Dakota is Still the Worst

      Originally posted by dxmnkd316 View Post
      Why is that a bad idea? Making sure people have appropriate coverage seems wise to ensure victims are properly taken care of.

      Am I missing something stupidly obvious?
      It's lifetime unlimited coverage. No one else does that.
      "I went over the facts in my head, and admired how much uglier the situation had just become. Over the years I've learned that ignorance is more than just bliss. It's freaking orgasmic ecstasy".- Harry Dresden, Blood Rites


      Western Michigan Bronco Hockey- 2012 Mason Cup Champions

      Comment


      • Originally posted by French Rage View Post
        It feels like one party always trying to make it more difficult for people to vote should tell me something.
        That republicans have terrible platforms and horrible ideas and our electoral map gives them power?

        Comment


        • Re: The States: North Dakota is Still the Worst

          Originally posted by bronconick View Post
          It's lifetime unlimited coverage. No one else does that.
          Maybe they should though. If some drunk who is underinsured hits me, I’d like to make sure my medical expenses related to that crash are taken care of for life.

          Again, I’m sure I’m misusing something obvious because this sounds like it just prevents the need to buy “underinsured driver” coverage. And removes the cap on that which is usually around $500k.
          Code:
          As of 9/21/10:         As of 9/13/10:
          College Hockey 6       College Football 0
          BTHC 4                 WCHA FC:  1
          Originally posted by SanTropez
          May your paint thinner run dry and the fleas of a thousand camels infest your dead deer.
          Originally posted by bigblue_dl
          I don't even know how to classify magic vagina smoke babies..
          Originally posted by Kepler
          When the giraffes start building radio telescopes they can join too.
          He's probably going to be a superstar but that man has more baggage than North West

          Comment


          • Re: The States: North Dakota is Still the Worst

            Originally posted by Deutsche Gopher Fan View Post
            That republicans have terrible platforms and horrible ideas and our electoral map gives them power?
            I do like the suggestion in the comments to take them to whatever building is right next to the polls.

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            Rover Frenchy, Classic! Great post.
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            • Re: The States: North Dakota is Still the Worst

              Originally posted by French Rage View Post
              I do like the suggestion in the comments to take them to whatever building is right next to the polls.
              Ha. That’s an intelligent way to fight insanity.
              Code:
              As of 9/21/10:         As of 9/13/10:
              College Hockey 6       College Football 0
              BTHC 4                 WCHA FC:  1
              Originally posted by SanTropez
              May your paint thinner run dry and the fleas of a thousand camels infest your dead deer.
              Originally posted by bigblue_dl
              I don't even know how to classify magic vagina smoke babies..
              Originally posted by Kepler
              When the giraffes start building radio telescopes they can join too.
              He's probably going to be a superstar but that man has more baggage than North West

              Comment


              • Originally posted by dxmnkd316 View Post
                Why is that a bad idea? Making sure people have appropriate coverage seems wise to ensure victims are properly taken care of.

                Am I missing something stupidly obvious?
                Maybe this is for super serious accidents, but in my experience in Minnesota, perhaps because we are no fault- your car insurance just tries to kick you off and use your medical insurance as fast as possible. I’ve had nothing but awful experiences after being hit by morons and having some injuries

                Comment


                • Re: The States: North Dakota is Still the Worst

                  Originally posted by Deutsche Gopher Fan View Post
                  Maybe this is for super serious accidents, but in my experience in Minnesota, perhaps because we are no fault- your car insurance just tries to kick you off and use your medical insurance as fast as possible. I’ve had nothing but awful experiences after being hit by morons and having some injuries
                  Probably, which is why this Michigan adder kicks in after $500k. Wouldn’t this help the victim then? I assume the issue here is whether the state should pay for that?
                  Code:
                  As of 9/21/10:         As of 9/13/10:
                  College Hockey 6       College Football 0
                  BTHC 4                 WCHA FC:  1
                  Originally posted by SanTropez
                  May your paint thinner run dry and the fleas of a thousand camels infest your dead deer.
                  Originally posted by bigblue_dl
                  I don't even know how to classify magic vagina smoke babies..
                  Originally posted by Kepler
                  When the giraffes start building radio telescopes they can join too.
                  He's probably going to be a superstar but that man has more baggage than North West

                  Comment


                  • Re: The States: North Dakota is Still the Worst

                    Originally posted by dxmnkd316 View Post
                    Maybe they should though. If some drunk who is underinsured hits me, I’d like to make sure my medical expenses related to that crash are taken care of for life.

                    Again, I’m sure I’m misusing something obvious because this sounds like it just prevents the need to buy “underinsured driver” coverage. And removes the cap on that which is usually around $500k.
                    Well, right now the result is an average of insurance costing over double in Michigan than in Ohio ($2,600 to $1,000 per year), and they've jumped the fee from $160 to $220 in three years so everyone is ****ed.
                    "I went over the facts in my head, and admired how much uglier the situation had just become. Over the years I've learned that ignorance is more than just bliss. It's freaking orgasmic ecstasy".- Harry Dresden, Blood Rites


                    Western Michigan Bronco Hockey- 2012 Mason Cup Champions

                    Comment


                    • Re: The States: North Dakota is Still the Worst

                      Michigan No-Fault is stupid and needs to go away. Thank God. Way too many people I knew back home would get a PO Box in a podunk Wisconsin town just across the border just to register their vehicles in Wisconsin. Also cheated the Michigan SOS out of the fees for plates.

                      It was so prevelant that there was a wait list for a PO box.
                      “Demolish the bridges behind you… then there is no choice but to build again.”

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                      • Re: The States: North Dakota is Still the Worst

                        Originally posted by aparch View Post
                        Michigan No-Fault is stupid and needs to go away. Thank God. Way too many people I knew back home would get a PO Box in a podunk Wisconsin town just across the border just to register their vehicles in Wisconsin. Also cheated the Michigan SOS out of the fees for plates.

                        It was so prevelant that there was a wait list for a PO box.
                        People from all over want other people to think they live in Wisconsin. You can imagine how nice it is to be the real deal.

                        Comment


                        • Re: The States: North Dakota is Still the Worst

                          It's like watching the kids from different short buses bait each other...

                          Last edited by Kepler; 05-07-2019, 05:12 PM.
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                          • Re: The States: North Dakota is Still the Worst

                            Arizona, who has vaccination issues, has declared porn a public health crisis.

                            https://thehill.com/homenews/state-w...-health-crisis

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                            • Re: The States: North Dakota is Still the Worst

                              Originally posted by Deutsche Gopher Fan View Post
                              Maybe this is for super serious accidents, but in my experience in Minnesota, perhaps because we are no fault- your car insurance just tries to kick you off and use your medical insurance as fast as possible. I’ve had nothing but awful experiences after being hit by morons and having some injuries
                              Minnesota is no-fault.

                              Auto insurers have the ability to contest no-fault claims two ways, by arguing either the treatment isn't reasonable or necessary, or by contesting whether it's related to the accident at all. Regular health insurance might fight with your doctor about the necessity of certain treatment, but in general its easier to get health insurance to pay.

                              As a practical matter I personally believe you are much better off getting as much no-fault insurance coverage and underinsured/uninsured coverage as you can reasonably afford. That is insurance that you buy to protect you, not some guy you kill with your car. An awful lot of people going around with just the minimum amount of liability coverage on their cars (might be $15-30,000 in some states) so when they drill you, you're on your own unless you have a lot of underinsured/uninsured insurance.

                              As a side benefit of purchasing a lot of underinsured/uninsured coverage, you will also have to buy a lot of liability coverage, which again isn't terrible, especially when you get to the stage in your life where you have assets to protect. A bad car accident with a couple of victims will blow through $500,000 in insurance coverage in no time.
                              That community is already in the process of dissolution where each man begins to eye his neighbor as a possible enemy, where non-conformity with the accepted creed, political as well as religious, is a mark of disaffection; where denunciation, without specification or backing, takes the place of evidence; where orthodoxy chokes freedom of dissent; where faith in the eventual supremacy of reason has become so timid that we dare not enter our convictions in the open lists, to win or lose.

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                              • Re: The States: North Dakota is Still the Worst

                                Originally posted by Deutsche Gopher Fan View Post
                                Arizona, who has vaccination issues, has declared porn a public health crisis.

                                https://thehill.com/homenews/state-w...-health-crisis
                                Handy, someone has to say it:

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