• Why do Asian taxi drivers hate driving passengers?

    I went to Chicago and some other cities and I noticed some Asian taxi drivers were driving and they seemed to hate driving us! They didn’t speak English for starters and they also seemed to complain and wonder why we couldn’t get a rental car to get around. Why do Asian taxi drivers have a problem with driving... show more
    I went to Chicago and some other cities and I noticed some Asian taxi drivers were driving and they seemed to hate driving us! They didn’t speak English for starters and they also seemed to complain and wonder why we couldn’t get a rental car to get around. Why do Asian taxi drivers have a problem with driving passengers anyway?
    6 answers · Insurance & Registration · 1 day ago
  • CLAIM'S ADJUSTER'S PLEASE ANSWER!!! I was rear ended 2/15/2017. Multiple injuries including PTSD. What's my claim worth in California?

    Best answer: I will explain the settlement process and try to break down the pros/cons of your injuries I will start with vehicle damages. I HOPE you bought either (collision) or UMPD (uninsured properly damages) on your policy, and if so, then your insurance pays to fix your vehicle (minus) your deductible. They would also... show more
    Best answer: I will explain the settlement process and try to break down the pros/cons of your injuries

    I will start with vehicle damages. I HOPE you bought either (collision) or UMPD (uninsured properly damages) on your policy, and if so, then your insurance pays to fix your vehicle (minus) your deductible. They would also reimburse you for your tow bill. Now if, you purchased rental, they will pay for the (daily/max) that you purchased on your policy. NO insurance pays for gas in a rental.

    But, if you did (not) purchase collision, UMPD or rental coverage, then you get (zero) for your car and rental and tow bill and would have to sue the other driver for the costs and since no insurance, then most likely will end up with zip (nothing), since most likely has no assets to collect. Courts awards judgments, but they don’t collect for you.

    So now we go to what is covered under BI (bodily injury) or in your case UMBI (uninsured bodily injury) settlement is “reimbursement” of your medical bills which includes what insurance paid (plus) your out of pocket expenses, “any” lost wages (documented) by a doctor unable to work, then adds paid and suffering.

    Insurance most likely will consider your mileage, back pillow, medication, co-pays and you’re out of pocket costs.

    Unless, you was bedridden and unable to get out of bed, the Cleaning/laundry/cooking services, forget it, they will throw it out. Which brings me to the next in question is the PTSD, which is the reason I am guessing for claiming the above?

    PTSD is extremely rare in an auto accident. Granted you sought treatment with group and mental health therapy, but in all of the years settling injury claims, NEVER paid for PTSD. It does not appear you suffered a traumatic injury, like loss of limb, burning scarring etc. Yes, a doctor could state based on your behavior after the accident, you “fall” under PTSD, but the insurance will have their own medical experts that will claim does not meet the “criteria.

    You had “reasonable” treatment in that you went to urgent care and seen by your PCP which most likely referred you to whoever treated you. Physical therapy was that by a chiropractor (worth less) or by a real physical therapist which is exercises (worth more)?

    Prior to settling with you, the adjuster will have you submit all of your medical bills/receipts, and then they will get the medical reports from all of the doctors that treated you. Even though you list the injuries you sustained, “appears” that you will not need surgery, nor have a permanent or partial impairment of a limb and guessing did not see a specialist (orthopedist).

    If you hire a lawyer, then the lawyer gets 33% of your (gross) settlement which is reimbursement of all medical bills paid by your insurance and you’re out of pocket costs, any lost wages and then adds pain and suffering. So what you get is the (net) left over, or in other words, think about your paycheck with your gross pay and net pay after taxes deducted.

    In about 75% of all cases, to hire a lawyer is useless and you usually will end up with less. You hire if insurance disputes fault or your injuries, which in your case they will dispute the PTSD. But even with a lawyer they will most likely dispute it, so at that point then the lawyer might have to file suit. Once a lawyer files suit, then the fees are 40% of your settlement, (minus) expenses which might include hiring an expert on PTSD. Most experts charge on average of $500 per hour, which adds up.

    So, (if) your insurance offers the max $30,000 that you bought, and then subtract either 33% or 40%, medical bills/expenses/experts, etc, what number do you come up with? But that is (if) they offer the limits, but could offer way less, even (if) they do include the PTSD.

    My suggestion is to see what insurance offers you 1st. When they make that offer then ask them (how) they break it down. They should say (XX) for your medical bills, XX for wages and then XX for your pain and suffering.

    So if they don’t include the PTSD, that means that insurance does not get reimbursed for the therapy/treatment also.

    Then if you don’t agree, then make an appointment with a lawyer for legal advice and REMEMBER the number they offered you, since (unless) the lawyer can get insurance to add in the PTSD costs, then you end up with less, since no matter what, once you sign a contract with the lawyer, they will take their cut 1st, regardless if you end up with more/less.

    Sorry, but guessing you will have an uphill battle, just want to prepare you for “what might happen”.
    4 answers · Insurance & Registration · 1 day ago
  • How do you deal with a tough screw?

    I am having trouble getting a screw out, I have tried countless things any ideas? These 2 screws are baldy damaged and a normal scree just doesnt fit. I am installing bluetooth to my hyundai sonata and i have bought drills, screwdrivers, its just its so badly damaged that nothing will work. I have bought extract... show more
    I am having trouble getting a screw out, I have tried countless things any ideas? These 2 screws are baldy damaged and a normal scree just doesnt fit. I am installing bluetooth to my hyundai sonata and i have bought drills, screwdrivers, its just its so badly damaged that nothing will work. I have bought extract screws as well. Any help would be good.
    21 answers · Hyundai · 3 days ago
  • Why wont my steering column control my music at all on my hyundai sonata?

    I used to be able to control the volume and change the tracks on my steering wheel and now i cant do either of the things, it's not the fuses I checked them already
    I used to be able to control the volume and change the tracks on my steering wheel and now i cant do either of the things, it's not the fuses I checked them already
    6 answers · Hyundai · 3 days ago
  • Do you think I should have to pay to fix my car?

    My parents were searching for a car for me for awhile. Finally, after months, they found one & bought it for me without me knowing. It was surprisingly cheap for the amount of miles it had on it. Even though I didn't really like it, I was so grateful because I finally had a car & it was very nice of... show more
    My parents were searching for a car for me for awhile. Finally, after months, they found one & bought it for me without me knowing. It was surprisingly cheap for the amount of miles it had on it. Even though I didn't really like it, I was so grateful because I finally had a car & it was very nice of them to buy it. I signed papers and the car is in my name. However, within the first couple weeks, all these problems arise in the car. It needed new parts. Since the car was cheap, my parents were kind enough to purchase some new parts. Then, I find out that the same problem keeps happening even after we got new parts. Now, I may have to get a new battery to fix it. We don't even know for sure if it will fix the problem. I looked up this problem with my car and it turns out thousands of the same car that i have got a recall for this problem. I feel like it's unable to be fixed. Is it spoiled of me to think that I shouldn't have to pay to fix it since I never had a say in purchasing it?
    41 answers · Maintenance & Repairs · 3 days ago
  • If you had $50,000 to spend on a new or used car plus the extra money for license, registration, tax and fees what would you buy?

    Best answer: Probably an odd response, but I'd buy a brand new Chevy Express 15 passenger van although I'd look at the Nissan NV3500 too. They're around $40k brand new and fully loaded with a gas engine. They're over $50k brand new and fully loaded with the diesel though. Not really a fancy choice but I have a... show more
    Best answer: Probably an odd response, but I'd buy a brand new Chevy Express 15 passenger van although I'd look at the Nissan NV3500 too. They're around $40k brand new and fully loaded with a gas engine. They're over $50k brand new and fully loaded with the diesel though.

    Not really a fancy choice but I have a big family and the Express and/or NV vans have the space I need and the towing capacity for a large travel trailer. I currently drive a Ford 12 passenger and it works but its getting old.

    If I could keep the difference I'd buy one about 5 years old for around $20k and keep the difference or use it to upgrade my other car also, but if it had to be spent on the one car I'd get the new van.
    13 answers · Other - Cars & Transportation · 16 hours ago
  • What's the truth about letting your car get under half a tank?

    Is it really that bad? I see why under a quarter tank can put stress on your fuel pump. But half a tank seems a little over caution. Anyone agree
    Is it really that bad? I see why under a quarter tank can put stress on your fuel pump. But half a tank seems a little over caution. Anyone agree
    28 answers · Maintenance & Repairs · 3 days ago
  • Can you find a decent used car for $2000?

    Can you find a decent used car for $2000?
    Can you find a decent used car for $2000?
    11 answers · Buying & Selling · 9 hours ago
  • I use regular gasoline for my 2010 Ford F-150 would it be bad to start using a mid grade or premium?

    I have about 42000 miles on it I've always used regular it has never been a problem. But if I upgrade to mid grade or premium would it be better for my engine or should I stick with regular? I want my truck to last a long time
    I have about 42000 miles on it I've always used regular it has never been a problem. But if I upgrade to mid grade or premium would it be better for my engine or should I stick with regular? I want my truck to last a long time
    28 answers · Maintenance & Repairs · 4 days ago
  • Who really owns the car?

    Recently I bought a car with my money paid for registration and insurance yet it is registered in my moms name. She now is trying to restrict my use of the car under the argument that it's registered in her name. I'm 17 and live in New York. What are my options for fully owning the car or taking it out of... show more
    Recently I bought a car with my money paid for registration and insurance yet it is registered in my moms name. She now is trying to restrict my use of the car under the argument that it's registered in her name. I'm 17 and live in New York. What are my options for fully owning the car or taking it out of her control?
    16 answers · Insurance & Registration · 2 days ago
  • Honda civic 2015 won t start!!!?

    I have a Honda civic 2015, it s fairly new. My battery completely died, and when I tried to jumpstart as usual (I ve had ongoing battery isues for a while now) it did not start. At first I thought they were cables, so I tried another set of cables, when I connected the lines, sparks were produced and I could see... show more
    I have a Honda civic 2015, it s fairly new. My battery completely died, and when I tried to jumpstart as usual (I ve had ongoing battery isues for a while now) it did not start. At first I thought they were cables, so I tried another set of cables, when I connected the lines, sparks were produced and I could see smoke where the plastic lining on the clasps were melting. When I tried to take it off, it was extremely hot to to touch. This was really weird to me, this never happens. I connected them correctly, so I tried two other cables, same thing. I ended up changing my car battery, thinking my battery simply died. The car still won t start after changing the battery, and no lights come on when I try to start the car. It s completely dead. No response from pushing the start button. Did I short a circuit or is this a bigger issue than I originally thought ?
    20 answers · Maintenance & Repairs · 3 days ago
  • Is there more than 1 fuse box on a 1999 Toyota Rav4? We can just find the 1 under the hood?

    Asking for my brother again, both of the cigarette lighter outlets stopped working and the 1 fuse i can find is good so i was wondering if there's another one somewhere that i'm overlooking, he's in another part of the state right now so i can't physically look at the vehicle but he needs to know... show more
    Asking for my brother again, both of the cigarette lighter outlets stopped working and the 1 fuse i can find is good so i was wondering if there's another one somewhere that i'm overlooking, he's in another part of the state right now so i can't physically look at the vehicle but he needs to know how to fix this because he uses a GPS to get back and forth
    16 answers · Toyota · 4 days ago