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Thread: Can someone explain this??

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    Quote Originally Posted by Dark Soul View Post
    Only your bank requires you to have insurance. Pay off your mortgage and you can fire your insurer the next day. I wouldn't advise that...
    That's why, at least in my State, the only insurance you have to carry on a vehicle is liability and uninsured motorists.

    Although I haven't had a car loan in many, many years, at the time when I did, the collision and comprehensive coverage I was required to carry was a result of the lending institution requirements not the State.

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    Quote Originally Posted by CFM View Post
    That's why, at least in my State, the only insurance you have to carry on a vehicle is liability and uninsured motorists.

    Although I haven't had a car loan in many, many years, at the time when I did, the collision and comprehensive coverage I was required to carry was a result of the lending institution requirements not the State.
    That's why, when my kids turned 16, they each got a cheap used car. I saved bigly on my insurance by doing that. I informed each of them that their insurance was to pay for the other guy, not for them, so if they wreck it, it's broke until they save the money to fix it. Neither one got so much as a traffic ticket while they were under my roof.

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    Quote Originally Posted by Dark Soul View Post
    That's why, when my kids turned 16, they each got a cheap used car. I saved bigly on my insurance by doing that. I informed each of them that their insurance was to pay for the other guy, not for them, so if they wreck it, it's broke until they save the money to fix it. Neither one got so much as a traffic ticket while they were under my roof.
    The uninsured motorists requirement is a way to protect yourself in case the other guy/gal is so irresponsible he/she doesn't do his/her part.

    To a point, the cheap used car is a good idea. The problem comes in when too cheap costs more to repair than buying something that costs a little more that doesn't have as much potential of breaking down.

    Mine were told that if they were the cause of the wreck or they got a moving violation that produced higher insurance, they paid the difference and didn't drive until they could.

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    It may be because the Repubs don't care about the environment. https://www.vox.com/2017/2/2/1448844...rotection-rule Dumping into waterways is good business.

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    Quote Originally Posted by Dark Soul View Post
    Only your bank requires you to have insurance. Pay off your mortgage and you can fire your insurer the next day. I wouldn't advise that...
    True, I wouldn't advise it. It's possible that this company is self-insuring as well. Either way, if my house was hit by lightning and burned down I would have to pay for the cleanup.
    Excellence is an art won by training and habituation. We do not act rightly because we have virtue or excellence, but rather we have those because we have acted rightly. We are what we repeatedly do. Excellence, then, is not an act but a habit.
    - -- Aristotle

    Believe nothing on the faith of traditions, even though they have been held in honor for many generations and in diverse places. Do not believe a thing because many people speak of it. Do not believe on the faith of the sages of the past. Do not believe what you yourself have imagined, persuading yourself that a God inspires you. Believe nothing on the sole authority of your masters and priests. After examination, believe what you yourself have tested and found to be reasonable, and conform your conduct thereto.
    - -- The Buddha

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    Quote Originally Posted by Gonzomin View Post
    It may be because the Repubs don't care about the environment. https://www.vox.com/2017/2/2/1448844...rotection-rule Dumping into waterways is good business.
    Go fuck yourself.

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    Quote Originally Posted by Dark Soul View Post
    Why do you insist that GovCo be involved at all? People (corporations are groups of people) have a responsibility to mitigate damages that they cause, regardless of the circumstances.

    I'm not insisting that GovCo be involved; but my responses were addressing something that someone else brought up.

    Saying that they caused this, without any evidence of them being negligent, is like someone blaming a car manufacturer for an accident, without showing that the car company was responsible for the accident.
    SEDITION: incitement of resistance to or insurrection against lawful authority.


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    Quote Originally Posted by Damocles View Post
    True, I wouldn't advise it. It's possible that this company is self-insuring as well. Either way, if my house was hit by lightning and burned down I would have to pay for the cleanup.
    But if the sparks set your neighbor(s) house on fire or maybe more then one neighbors homes, would you be responsible to pay for their cleanup also??
    SEDITION: incitement of resistance to or insurrection against lawful authority.


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    Quote Originally Posted by USFREEDOM911 View Post
    But if the sparks set your neighbor(s) house on fire or maybe more then one neighbors homes, would you be responsible to pay for their cleanup also??
    If I kept gallons of liquid alcohol on site and it flowed into the river and killed fish I would have to pay for the cleanup.
    Excellence is an art won by training and habituation. We do not act rightly because we have virtue or excellence, but rather we have those because we have acted rightly. We are what we repeatedly do. Excellence, then, is not an act but a habit.
    - -- Aristotle

    Believe nothing on the faith of traditions, even though they have been held in honor for many generations and in diverse places. Do not believe a thing because many people speak of it. Do not believe on the faith of the sages of the past. Do not believe what you yourself have imagined, persuading yourself that a God inspires you. Believe nothing on the sole authority of your masters and priests. After examination, believe what you yourself have tested and found to be reasonable, and conform your conduct thereto.
    - -- The Buddha

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    Quote Originally Posted by Damocles View Post
    If I kept gallons of liquid alcohol on site and it flowed into the river and killed fish I would have to pay for the cleanup.
    Is keeping liquid alcohol on site, part of your business??

    And, that really didn't address the house fire and your neighbor(s).
    SEDITION: incitement of resistance to or insurrection against lawful authority.


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    Quote Originally Posted by USFREEDOM911 View Post
    Is keeping liquid alcohol on site, part of your business??

    And, that really didn't address the house fire and your neighbor(s).
    It doesn't matter if it is part of my business or not. If I own it and it spills into someplace it shouldn't and causes damage my insurance or my pockets themselves will pay for the cleanup. That's because that is what we require of people. And I am not sure of the neighboring house, it depends on whether I followed building codes, etc. Let's say I put my own shake on my roof, it wasn't fireproofed as required, and it caused the spread of the fire, then yes. I would have to pay for extended damage from the spread of the fire.
    Excellence is an art won by training and habituation. We do not act rightly because we have virtue or excellence, but rather we have those because we have acted rightly. We are what we repeatedly do. Excellence, then, is not an act but a habit.
    - -- Aristotle

    Believe nothing on the faith of traditions, even though they have been held in honor for many generations and in diverse places. Do not believe a thing because many people speak of it. Do not believe on the faith of the sages of the past. Do not believe what you yourself have imagined, persuading yourself that a God inspires you. Believe nothing on the sole authority of your masters and priests. After examination, believe what you yourself have tested and found to be reasonable, and conform your conduct thereto.
    - -- The Buddha

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    Quote Originally Posted by Damocles View Post
    It doesn't matter if it is part of my business or not. If I own it and it spills into someplace it shouldn't and causes damage my insurance or my pockets themselves will pay for the cleanup. That's because that is what we require of people.
    Yes it does; because this is about a business and not a home owner.

    But let's do down that road.

    Were you storing it according to the required regulations??

    Did a lighting strike cause it to "spill into someplace it shouldn't be"??
    SEDITION: incitement of resistance to or insurrection against lawful authority.


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    Quote Originally Posted by USFREEDOM911 View Post
    Yes it does; because this is about a business and not a home owner.

    But let's do down that road.

    Were you storing it according to the required regulations??

    Did a lighting strike cause it to "spill into someplace it shouldn't be"??
    No, it doesn't. Because if something you own causes damage to others or your surroundings you will be required to pay for the cleanup regardless of whether you are a business or not. This whole discussion is specious, once people noted that of course the business would pay for the damage because that is what we require of anybody at all that causes the same kind of damage and you recognize that it should really end the discussion. Just trying to keep it alive with inconsequential secondary questions just puts it into the weeds.
    Excellence is an art won by training and habituation. We do not act rightly because we have virtue or excellence, but rather we have those because we have acted rightly. We are what we repeatedly do. Excellence, then, is not an act but a habit.
    - -- Aristotle

    Believe nothing on the faith of traditions, even though they have been held in honor for many generations and in diverse places. Do not believe a thing because many people speak of it. Do not believe on the faith of the sages of the past. Do not believe what you yourself have imagined, persuading yourself that a God inspires you. Believe nothing on the sole authority of your masters and priests. After examination, believe what you yourself have tested and found to be reasonable, and conform your conduct thereto.
    - -- The Buddha

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    Quote Originally Posted by Damocles View Post
    No, it doesn't. Because if something you own causes damage to others or your surroundings you will be required to pay for the cleanup regardless of whether you are a business or not. This whole discussion is specious, once people noted that of course the business would pay for the damage because that is what we require of anybody at all that causes the same kind of damage and you recognize that it should really end the discussion. Just trying to keep it alive with inconsequential secondary questions just puts it into the weeds.
    Untrue; because you failed to address the question of:

    Are you responsible if your home is struck by lightening and while it's burning, it sets the neighbors house on fire??
    SEDITION: incitement of resistance to or insurrection against lawful authority.


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    Quote Originally Posted by USFREEDOM911 View Post
    Untrue; because you failed to address the question of:

    Are you responsible if your home is struck by lightening and while it's burning, it sets the neighbors house on fire??
    Yet I did answer it. I noted that differences in how my home may be built would net different results in whether I would be charged if the fire spread. The reality is, if stuff I own damaged fish in a stream nearby my insurance or I would be charged for the damage. Even if it was struck by lightening first. Much like you would be charged if it were your house, or say your car. As you were driving, it is struck by lightening and because of that you lose control and it smashes through a fence and into a barn burning it down. Your insurance would pay the damages, or you would. That lightening began the events doesn't change it.
    Excellence is an art won by training and habituation. We do not act rightly because we have virtue or excellence, but rather we have those because we have acted rightly. We are what we repeatedly do. Excellence, then, is not an act but a habit.
    - -- Aristotle

    Believe nothing on the faith of traditions, even though they have been held in honor for many generations and in diverse places. Do not believe a thing because many people speak of it. Do not believe on the faith of the sages of the past. Do not believe what you yourself have imagined, persuading yourself that a God inspires you. Believe nothing on the sole authority of your masters and priests. After examination, believe what you yourself have tested and found to be reasonable, and conform your conduct thereto.
    - -- The Buddha

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