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Old 01-28-2012, 03:36 PM  
Bwana Bwana is offline
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Small things in life that gravel your ass
What are some things in life that are really not that big of a deal in the big picture, but just piss you off?

My example of the day:

The dogs were barking at something today out in the alley, so I went outside to find out what the hell was going on. Some Slippery Larry contractor was back there unloading a bunch of shit into my city garbage container.

Me: Hey there strokestick, are you my new neighbor or something?

Slippery Larry: No

Me: Yeah, I knew that, then why are you dumping your crap out into my garbage container? I have plans to clean out the garage and am going to need the space.

Slippery Larry: I don't know.

Me: Do you live in a house, do YOU have a garbage container?

Slippery Larry: Yes, but it's full, so I'm dumping it in here.

Me: No, no you're not, try the city dump. Don't let me ever catch you back here pulling the bullshit again, or we are going to have a big problem.

At that point, he high tailed it out of there.

Like I said, it wasn't like the guy was back there trying to break into my shop, but it rubbed me the wrong way.
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Old 02-21-2017, 10:23 PM   #496
Buehler445 Buehler445 is offline
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We have a consultation tomorrow with the lawyer, hopefully we get some good news.
So the complex is suing you?

Surely $235K can't be the damage. There wasn't that much bad there.
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Old 02-21-2017, 10:43 PM   #497
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Yes we did, but they cancelled it on us without notification. We had to have it if we used charcoal, that's pretty much the only reason why we had it.
If you were still paying your premiums, how could they cancel your insurance without notification?
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Old 02-21-2017, 10:46 PM   #498
In58men In58men is online now
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If you were still paying your premiums, how could they cancel your insurance without notification?
We had automatic withdraw, we didn't notice that they stopped taking out the funds. It was only about $23 a month so we're not going to see it.
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Old 02-21-2017, 10:47 PM   #499
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Originally Posted by Buehler445 View Post
So the complex is suing you?

Surely $235K can't be the damage. There wasn't that much bad there.
A lot of people are saying the same thing. I don't see how myself.
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Old 02-21-2017, 11:20 PM   #500
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We had automatic withdraw, we didn't notice that they stopped taking out the funds. It was only about $23 a month so we're not going to see it.
Sounds like you have a good case against the insurance company. I'm not sure what the law is in California, but I know in certain states it is illegal to cancel someone's insurance without proper notification.
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Old 02-21-2017, 11:35 PM   #501
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Damn Inmen. That some sucky shit you gotta go through. Battling the insurance company is NOT fun. Good luck man. We give you shit about that but do wish you the best possible outcome and are glad no one was injured.
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Old 02-22-2017, 12:00 AM   #502
Buehler445 Buehler445 is offline
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A lot of people are saying the same thing. I don't see how myself.
Only thing I can think of is if they had to move a bunch of people out and have lost rent for several months. Or there was smoke damage to a shitload of other units.

Good luck man. Let me know what the lawyer says. PM me if you don't want it public. Hopefully they negotiate to a few thousand or you can extract something from the insurance company.

Hopefully your lawyer is good. Coincidentally I've been (ancillarily) exposed to s shitton of bad lawyering recently.
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Old 02-22-2017, 02:24 AM   #503
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Hope it works out for you Inmen.

I have a feeling it will.
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Old 02-22-2017, 09:51 AM   #504
In58men In58men is online now
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Thanks everybody, you guys are awesome. I'll give some feedback later this evening.
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Old 02-22-2017, 03:57 PM   #505
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Insurance companies are the definition of the suck. They bring top drawer heat to court to **** over the little guy.
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Old 02-22-2017, 04:49 PM   #506
raybec 4 raybec 4 is offline
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Insurance companies are the definition of the suck. They bring top drawer heat to court to **** over the little guy.
It's the biggest scam going. Everywhere else they call it gambling, it's just a huge money grab.
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Old 02-22-2017, 06:47 PM   #507
lewdog lewdog is offline
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Sounds like you have a good case against the insurance company. I'm not sure what the law is in California, but I know in certain states it is illegal to cancel someone's insurance without proper notification.
Yea, unless they document that you gave notice to waive the insurance, they can't just stop it. It's automatic renewal until cancelled in most states.
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Old 02-22-2017, 07:17 PM   #508
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Thanks everybody, you guys are awesome. I'll give some feedback later this evening.
Thanks !
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Old 03-08-2017, 05:13 PM   #509
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Well after talking with a couple of lawyers & bankruptcy lawyers, our only option was to file chapter 13 bankruptcy and be placed on a tight spending budget for the next 5 years. We made too much money to file Chapter 7 which was our first choice.

They also recommended that we call the insurance company to see if they'll settle and THEY DID!!!! We offered our minimum, but it wasn't going our way. After negotiating for about 5-8 minutes I offered 20k and they accepted. Our savings isn't touched, thank god for a good job bonus and income taxes

Also, when filing Chapter 13 you have to keep in contact with them if the wife and I were to get any pay increases, if so they'll be able to adjust our income and disposable income, it would have been a mess.
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Old 03-08-2017, 06:27 PM   #510
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Well after talking with a couple of lawyers & bankruptcy lawyers, our only option was to file chapter 13 bankruptcy and be placed on a tight spending budget for the next 5 years. We made too much money to file Chapter 7 which was our first choice.

They also recommended that we call the insurance company to see if they'll settle and THEY DID!!!! We offered our minimum, but it wasn't going our way. After negotiating for about 5-8 minutes I offered 20k and they accepted. Our savings isn't touched, thank god for a good job bonus and income taxes

Also, when filing Chapter 13 you have to keep in contact with them if the wife and I were to get any pay increases, if so they'll be able to adjust our income and disposable income, it would have been a mess.
Jesus, that's still not great.

So did not having renter's insurance **** you? Or wouldn't it have mattered as they could have claimed negligence on your part anyway?
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