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Discussion in 'Home, Auto, Hobby and Computer Tech' started by daytonacane, May 26, 2020.
Good luck Daytona!
This X 1,000. My wife doesn't understand this concept and we argue everytime my stepdaughter or step son wants to borrow my Tundra to move something. Their PIP covers them for THEIR injuries NOT the other driver and since neither still live with us I don't think their insurance covers any damage bodily or otherwise. In Florida you can be sued to the sky. Oh and don't think sh!t won't happen just because "it's just a quick trip to the store"....I always felt that way until 2.5 years ago when I took our company car to 7-11 to get a bag of ice for the office. The store was only quarter mile down the street and on the way back was involved in a fatal wreck when the other driver pulled across the center lane and hit me head on. They died and I sweated bullets thinking I or our company would get sued somehow by a surviving family member. Fortunately for me there were 2 witnesses and clear evidence I wasn't at fault. Sh!t happens....
Glad to hear. Oh, and I was closest!
NADA Retail is $6,750 and Kelley Blue Book is $6,781. You did very well.
and not a single one of you offered her any wisdom on this piece of it... I'm shocked
This was about her grandson and his insurability due to age and marital status.....
Zero deductible Got to change that No offense but at your age I would carry the least amount of coverages possible with the highest deductible. Unless you have significant assets to protect. Which you can protect with some simple estate planning. Haven’t you given the insurance companies enough over the years?
oh.. I must have misinterpreted that as... He’s 30 and still single and he needs to find himself a wife.
Actually w/Travelers, you initially have a deductible but for each year without an accident and, I think, infraction, it reduces the deductible by $100; therefore, that is how I ended up w/zero deductible. I do have an umbrella for further protection of assets. I met with my elder law attorney who advised that my homestead and IRA are protected but not my Bradford Co. property, annunities, money market, etc. I am going to be making some adjustments in order to protect the larger of these assets.
If you are a resident of Florida and you are the annuitant and owner of the contract(s) these would protected as well. Good job getting things squared away.
You have property in Bradford county?
Yes. off 301 in Hampton. I sold 25 acres a few years ago and another 3 acres that the township of Hampton developed into a baseball park. Hampton was my Parents hometown. Have a few acres left and will probably eventually sell or deed over to my sons.
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