We're doing CORE on Sunday

[stu]

Doug and I have decided to just do CORE this Sunday. We know we have to pay, and we also remember that Conrad said that it's only cool the first time. So we decided we might as well try it sooner or later. If you go to their website, there are two 4x4 shops in Denver that sell discounted tickets. He's picking up two tonight. If anyone else would like to meet up with us for this Sunday, let me know and we can expect to see you there.

I'll let you guys know how much the tickets were.

[Conrad]

i cant go on sun... :(

[Nate]

remember that Conrad said that it's only cool the first time.

Why would you go again anyway? Who cares if you are busy.

[stu]

Nate, your post completely lost me.

I could see if we can change it to Saturday since it's only 50 miles east of Denver. Would Saturday be a better day for you guys?

[stu]

Our company party is from 2:30pm - 5:00pm on Saturday, so it will have to be Sunday.

[Conrad]

nate... i want to use the new jeep on everything.

Stu what happen to a snow run?

[Nate]

Nate, your post completely lost me.

I was quoting you to ask Cornrad a question, but I didn't quote him also.

Basically he is saying it sucks he is busy, after saying only the first time is fun. Assuming he isn't going off of second-hand knowledge then he would be going again, which according to him isn't fun, so why care if he gets to go or not.

But I guess it could be fun all over again for one time with a new vehicle.

[stu]

We were expecting snow this week and figured CORE would be good in the snow. We also expect there to be more snow as the winter goes on, so we can set up a more well planned one on another weekend. Want to start planning for Yankee Hill now?

[stu]

Yeah, he cleared it up for me. Thanks.

[Brandon]

I'm gonna pass. I don't see any reason to pay to go wheeling in Colorado. I think me and Cornrad might go peepz Yankee Hill. If not somewhere else on Saturday if anyone else wants to go.

[stu]

I want to do Yankee Hill, but we're busy Saturday.

Doug went to one of the 4x4 shops and picked up tickets for $10.00 for a day pass. Not too bad, but he said the guy at the shop was shady as hell so he's never going there again.

$10.00 for the day pass. Park is open from 9:00am - Dusk pm.

[Conrad]

10 is a good deal... but its still farther away than most trails...

[stu]

It's only 50 miles east of Denver (I'm already 10 minles east of Denver) and every time I drive down to Bailey it ends up being about 70 miles.

[smithz]

I guess I haven't been in the mood for this lately... maybe I burned myself out.

I might be interested in the Yankee hill thing Saturday if that happens and it's not too early.

[Conrad]

dont be a wuss stuwart..... we are going sat...

[stu]

I'll consider ditching my co-workers at Dave and Busters to go to Yankee Hill Saturday. That's down in Bailey right? So much fucking gas. :(

[smithz]

So much fucking gas. :(

No fucking joke...

[Conrad]

none of you compare.... to my gas usage... damnit I miss the civic :(

[smithz]

When you had the civic, you missed the jeep. When you have the jeep you miss the civic.

You need to remove the fence and enjoy the grass on both sides. :D

Did you already sell the civic? Or did you trade it for the rubicon? I don't remember.

[stu]

Traded it for the Rubicon. It's okay, I'll figure it out.

[Dave_L]

That's why you buy a cheap jeep like I did and keep your nice, gas-saving car. :)

[smithz]

That's why you buy a cheap jeep like I did and keep your nice, gas-saving car. :)

m3 = gas saving car???shift-forward-slash???

:rofl:

[Dave_L]

LOL! Well, if I drive slow, I can get 30 mpg on the highway.

[smithz]

Did you get your engine stuffed back in there yet?

[Conrad]

LOL! Well, if I drive slow, I can get 30 mpg on the highway.

get your shit in so we can go this weekend.

[stu]

Doug and I are doing Yankee Hill with you guys. Doug is just riding along with me again.

Dave_L: I've still got my Accord.

[Dave_L]

Nice Stu!

Jeff, I have to get the flywheel resurfaced and then it's going back in. Im getting the flywheel done as I type this though.

[V8SpankR]

What time on Saturday you guys going to head up for Yankee Hill? I have my nephew's Karate tournament to attend in the morning but as soon as I get out of there I could go.

[stu]

That's a great question Paul. Conrad and Brandon, get off your asses and plan this event!

[smithz]

:werd:

[stu]

Okay, Doug isn't going now. I'll try and find a date again. I'm sure I'll be alone. Maybe I should invite my little brother or something.

[Conrad]

How about a mid afternoon thing... like 2 or so.. that will give us time to get back to B's for some boxing.

[smithz]

I wasn't thinking quite that late... 11-12ish?

[stu]

Yeah, we try to meet up at 9 every weekend and still end up coming back into town at 7:00pm.

[Conrad]

ok 12?

[stu]

Okay, where are we meeting?

[smithz]

If I remember right I met B in Idaho Springs last February. I think this is the same place...

[Brandon]

same place.
Mc Donalds, its right off the first exit to idaho springs. noon is good.

[stu]

What? I thought it was down by Red Cone? Hell yeah, Idaho Springs is close! YAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAY

[Conrad]

i can only play for a bit around castle rock.

[Conrad]

What time on Saturday you guys going to head up for Yankee Hill? I have my nephew's Karate tournament to attend in the morning but as soon as I get out of there I could go.

can you make it if we are meeting at 12?

So who all is going

stu
me
B
jeff?

[smithz]

I didn't use chains last time we went because I didn't have the fender clearance back then. All I had were BFG AT's and I did decent I guess.

I should be there. CB channel 6 again.

[V8SpankR]

My nephew's Karate thing is at 9 so I should get out of there in time to make the 12 meeting time but if someone can PM me there cell # I'll call and let someone know since I'd really like to make this one. If we could move the time back maybe a half hour or so I should be fine.

[smithz]

A sad day today... yes that is/was Stu's truck. I'll let him tell the story.

http://www.highaltitudeimports.com/gallery/data/518/IMG_4177.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4178.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4179.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4180.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4181.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4182.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4183.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4184.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4185.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4186.JPG

[smithz]

http://www.highaltitudeimports.com/gallery/data/518/IMG_4187.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4188.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4189.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4190.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4191.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4192.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4193.JPG
http://www.highaltitudeimports.com/gallery/data/518/IMG_4194.JPG

[STIBungy]

What happened? Doesnt look like there's anything close to the truck to make it flip on it's roof.

Oh nevermind. I see the dirt marks. Looks like someone tried to mix tokyo drift and wheeling.

[smithz]

Supercharged doughnuts...

[Dave_L]

Damn Stu! Sorry to see this.

[stu]

Don't worry guys. I saw a really good deal on a '92 Ranger on Craig's list the other day.

[smithz]

Did it have a roll cage?

[Weston]

http://www.highaltitudeimports.com/gallery/data/518/IMG_4177.JPG

Oh man, that sucks. :(

Stu... What happened? Chris was far too drunk to explain what you told him on the phone tonight.

[V8SpankR]

Wow! Man,I missed out today. That sucks but isn't it fixable? You should part out at least the SC on ebay or yotatech.

And that Ranger won't be a Toyota.

[smithz]

Stu, how are you feeling today?

[stu]

I'm feeling sore in my neck. I went to the emergency room last night around 9:00pm and they said I was fine and gave me some Vicodan. **I just wanted to make sure that I didn't have a concussion because I wasn't feeling the best.**

Anyway, my leg hit the steering wheel on my way to the roof, so by the end of last night I had a pretty good limp going on. The doctor said I probably gave myself some whiplash. They gave me instructions to ice my neck for 20-30 minute EVERY HOUR. I don't know how I'm going to manage that. I didnt' really plan on taking any of the vicodan because perscription drugs scare the shit out of me. I went to a party last night and drank a little, then when I got home at about 6:15 this morning so I'd sleep alright.

Thanks a bunch to everyone who was there to help me out.
Thanks to Conrad for helping pull the truck over and taking me to meet up with my friends on your way home.
Thanks to Brandon for also helping roll it over and for letting me have one of those quesadillas off your engine.
Thanks to Vince and Jeff for all the quick camera action.

I really appreciate all the help.

About the truck, usually, roll overs like this are total losses. They total a vehicle when it cost 80% of the value to fix the damage. 80% of what I paid for the truck (not necessarily what it's worth) is $14,000. There is body damage on almost every panel of the truck and it will essentially need a new cab. I really don't see this as repairable.

Finally, I was joking about the Ranger. A '92 Ranger? Are you guys fucking kidding me? lol

Good times.

Paul: I was joking that it would have been funny if you decided to come and caught up with us right there. You'd come around the corner and be like, "Hey there you guys are. Glad I caught up with..........oh."

Haha

[stu]

Oh man, that sucks. :(

Stu... What happened? Chris was far too drunk to explain what you told him on the phone tonight.

Heh, I never told him what happened, I just called him and demanded that he visit the internet. Instead he threatened to fight me.

[smithz]

Glad you went and got checked out. I hope you start feeling better.

[saabracr]

Damn dude, sorry to see that. Glad you're alright.

[ryanman]

Man, that sucks.

BTW - Vicodin is good shit, take it and enjoy it.

[stu]

Brandon helped me get my truck tonight, it only took me about 10 hours to do it.

I call Uhaul up and reserve a tow dolly. We drive my buddy's Explorer down there, and between the three different people helping us, it takes them until AFTER it's hooked up, to remember that they don't rent trailers to Ford Explorers. Why? Because during the Firestone delima, some guy in an Explorer towing a trailer had a blow out and decided to try and sue Uhaul as well.

So, Brandon and I finally get up there around 9:30-10:00 pm ( I got to his house at 5:30) and put the truck on the tow dolly. We brought two of his factory tires because we knew mine wouldn't fit under the straps. I had the key to get my tires off, but the tire iron wouldn't fit into the holes, so we just aired them down to about 10 psi and squeezed the straps on.

Then, we're leaving and we both notice in the mirror that the rear tires aren't spinning. Even with the transfer case in neutral the cent diff was still locked. I had to put it into 2WD for it to work. We were confused at first because we had just pushed the truck by hand up onto the dolly. Glad we caught that.
Then, on the way home, we are driving on groved pavement on 6th. Right as a cop gets on the highway behind us, we hit the bump back onto the regular pavement and the empty dolly gets about a foot of air. It was uneven so it teeter tottered wildly for a long time, we almost lost it. Well, we got pulled over and only got a "warning." I had to bite my tongue so I didn't ask what the warning was for, since we didn't do anything. The first thing out of the cops mouth was that he wanted to see the rental contract. I handed it to him from the passenger seat before he could even finish the rest of what he was saying.

Pretty fun night. It was pretty dark and cold up there.

I'm planning on getting a Land Rover or Range Rover as soon as I get all this shit cleared up. The resale value of those trucks sucks balls and they are all way cheaper than I thought.

[stu]

Here is a great example.

http://denver.craigslist.org/car/215989510.html

160k? Who fucking cares, it's only $4,500!

http://denver.craigslist.org/car/206764426.html

http://denver.craigslist.org/car/204206850.html

This one has great miles:
http://denver.craigslist.org/car/221011703.html

http://denver.craigslist.org/car/215381109.html

http://denver.craigslist.org/car/219083278.html

[Nate]

I was thinking about this last night.

I was thinking, this is the perfect plan for an all out 4WD truck. Insurance pays for truck, you buy back salvage and just keep it for 4wheeling while buying another driver.

If that isn't your plan can you buy it back? I want the SC.

[Conrad]

it would make a hell of a buggy

[stu]

I don't have the time, skills, money, room, etc. to turn it into a trail only machine. I'll consider buying it back if it is for a price that is significantly less than what I can sell it for, which probably won't happen.

[Nate]

Pull the SC before they take it. :)

[stu]

I was showing some pictures to the guys in my material damage department and they think that there is a good chance that it is repairable. I don't think Mendota will pay for any aftermarket stuff (I'm pretty sure the supercharger counts) so I only have to worry about it if it's totalled. At this point, I guess I hope that it's not totalled.

[forum]

If I were you I would hope it was totaled, I don't care who does the work, the truck would never be even close to the same.

[Weston-work]

Stu, Chris and I decided that we can fix your truck, just like we fixed Chris' car... but we'll just need a helicopter for this job...

[Dave_L]

Ill volunteer to come over and drink and encourage. :D

[stu]

From what I understand they'll cut the roof off at the pillars and just put a new one on. I can't decide what I want to happen on this yet.

[Conrad]

well thats just body work... that is assuming the engine isnt fubar since it wouldnt start...

[stu]

Even the IOPD guy said that the cydlinders were probably just full of oil.
I think since the supercharger is a factory option that it shouldn't be aftermarket (at least that's how it is with us, but who knows with these high risk companies).

My mom just sent me a text saying that the claim would be another hour and they think they'll total it.

[ryanman]

The s/c is a factory, not aftermarket.

[smithz]

Glad you got it back home alright.

I would recommend against getting a Land Rover. Yes they are cheap to buy, but you will pay through the nose on maintenence. A buddy at work got one 3-4 years ago for 12K but has had many problems that required taking it to the dealer. He's probably paid more than half what he paid for the thing in having shit fixed on it...

Just be warned if you do get one. Parts and shit are expensive on them according to this guy's experience.

[Conrad]

The rover that me and B saw right before we did springs creek was awesome, I would take it any day above my rubi.

[stu]

Yeah, I know they have shitty reliability, I figure as long as I have a second car it won't be too big of a deal.

[Chris_V=|work|=]

oh no! stu, where will we smoke on cold days now?

seriously, i dont remember anything you told me, what happened?

[smithz]

It's not the shitty reliability that is the problem. It's the shear cost of getting it fixed every time. My buddy said he rarely get's out of a dealership visit for less than $1K. Just keep it in mind is all I'm saying.

[Skaterkid]

It's not the shitty reliability that is the problem. It's the shear cost of getting it fixed every time. My buddy said he rarely get's out of a dealership visit for less than $1K. Just keep it in mind is all I'm saying.

I think you mean sheer, Jeff. That kind of shear is for stresses Mr Engineer.

[ryanman]

:werd:

Rovers = $$$$$

[Conrad]

now that we can laugh about it let me say....

That is gods way of saying he should have bought something "trail rated"

[M@]

Stu's wearing Crocs.

[ryanman]

now that we can laugh about it let me say....

That is gods way of saying he should have bought something "trail rated"

Let's see you do some donuts in your "trail rated" Heep.

[Conrad]

Let's see you do some donuts in your "trail rated" Heep.

i did.... and mine didnt flip

my "trail rated" badge prevented the flip

[ryanman]

ahh, gotcha

[Conrad]

and my "trail rated" badge also showed a taco how to get up a rock...

and then it showed it how to get stuck on a ledge.

[ryanman]

lol

[stu]

I just got off the phone with the adjuster, they are totalling it, and it sounds like I might even come out on top with this deal. They're paying me for the suspension and oversized tires because the factory suspension is beefier and has over sized tires compared to other Tacoma models. The only thing they aren't considering is the sub, amp, and wheels (none of which I paid for anyway).

The adjuster practically yelled at me when I said I wanted a Land Rover. lol I'll really have to think that one through.

[ryanman]

Soo take the sub, amp out of it and find some cheap ass steelies to put on it and keep the wheels.

[Conrad]

:werd:

[Chris_V=|work|=]

buy a cheap nissan hardtop, turbo it and use the rest of the money to pay off bills and invest. or get a cheap older jeep and do the same.

[Weston-work]

Buy a Honda and turbo it! :D

[Conrad]

buy a cheap nissan hardtop, turbo it and use the rest of the money to pay off bills and invest. or get a cheap older jeep and do the same.

this person speaks truth.... well scratch that nissan part anyway.

[Brandon]

those wheels and SC would look great on my truck in your driveway ;)

[2Fast4u]

no much better on mine...ha plus i have seat covers...oh yeah

[stu]

Well, if anyone has some stock wheels, I bet they'd let me switch them out and I could sell the wheels to you.

[2Fast4u]

Well, if anyone has some stock wheels, I bet they'd let me switch them out and I could sell the wheels to you.

Stu i need those tires for mine. how much you want to let me swap them over with my bald ones rims and all

[stu]

I'll have to ask the adjuster and see if they'll let me do that or not.

[stu]

Okay, I just called, they're allowing for "alloy wheels" they're just not going to look up the brand or anything. So with that I'm just keeping the tires and wheels on there and letting them take the whole thing. There is a chance that I could still buy back the entire truck, at which point I could part some stuff out for anyone who could take it off themself. I've got the factory suspension stuff if anyone wants the lift, part of the deal would be that they reinstall the factory suspension.

Start shooting me some offers on any parts you guys might want and I'll see if it's worth it for me to keep the truck.

[2Fast4u]

stupid adjusters. Oh well you should buy mine and ill cut ya a discount cause it needs tires...ha

[smithz]

Did they mention the SC?

[chrisbarnett01]

What is buyback? You might be able to sell it for more on pirate 4x4 or something to someone who wants a trail rig.

[stu]

I won't know buy back for a few days.

Jeff: They know about the supercharger. Part of the reason they will take a few days on the ACV (Actual Cash Value) is because they're trying to figure out how much the supercharger is worth. They know it's $3,100 brand new, but it's used. Hopefully I get a little over what I paid, I could really use some cash to pay some stuff off.

[smithz]

Too bad it wasn't "stolen" while it was camping in the mountains... but like you said, that looks worse on your claims history.

[stu]

Yeah, plus they are considering it in the total value anyway.

So we all know Land Rovers are the DSM of 4 wheeling, but does anyone know about what the common issues are? It sounds like a lot of electrical stuff to me. I'd rather have broken heated seats than none at all. I'm more worried about head gaskets and similar shit. Stuff that I can't really fix on my own.

[forum]

If its a land rover, its not running if there's not lights on. Ie abs light, check engine, something of the sort.

[stu]

That seems to be the impression that I get Brian. So that's why I'm thinking about picking one up for around or less than $5,000 and just dealing with it. As long as I can still get home it's not too big of a deal.

[smithz]

Yeah, plus they are considering it in the total value anyway.

So we all know Land Rovers are the DSM of 4 wheeling, but does anyone know about what the common issues are? It sounds like a lot of electrical stuff to me. I'd rather have broken heated seats than none at all. I'm more worried about head gaskets and similar shit. Stuff that I can't really fix on my own.

Here's what I've gathered from my friend at work. He's had to take it in several times due to the wireless sensors that are in the hub. Has something to do with the traction control system, and when they went haywire he wasn't really able to drive it for some reason. I don't remember exactly why, but that's what he said. So he ended up having to pay the dealership alot to get that shit fixed, and that involved having to take it back several times. Again if I remember right, he spent a couple thousand trying to get that all working properly again. That's the one case I remember specifically, but he's told me about having to take it in several times and it's like auto-$500 every time he goes in.

You might be fine, impossible to say. But I just thought I'd pass along his experience... he wishes he still had his jeep.

[smithz]

I think you mean sheer, Jeff. That kind of shear is for stresses Mr Engineer.

One type-o and I get reemed... jeesh. ;) Oh, and EE's don't exactly take ME and CE classes for the record.

[stu]

Thanks Jeff. I need to find out if there are common problems with systems that I can just disconnect. I doubt traction control is one of them.

[DrJones]

Insurance covers this kind of thing?

[STIBungy]

I did. :D

Statics and Dynamics, Fluid Dynamics, Surveying, as well as Circuits and Control Systems.

One type-o and I get reemed... jeesh. ;) Oh, and EE's don't exactly take ME and CE classes for the record.

[stu]

Insurance covers this kind of thing?

Of course it does. Insurance covers almost everything. I can think of two things that are excluded off the top of my head:
1) Organized racing (only sometimes is there an exclusion)
2) Intentional acts.

[DrJones]

Of course it does. Insurance covers almost everything. I can think of two things that are excluded off the top of my head:
1) Organized racing (only sometimes is there an exclusion)
2) Intentional acts.

So taking my 17 second civic to bandamere isn't covered, but runing around in the mountains with a 4x4 where there is a much higher risk is?

Man I hate insurance companies.

[stu]

There is a much higher risk of crashing at Bandimere. You have to remember some things Paul, at Bandimere, you are going to do one thing, drive as fast as you can. Damage and bodily injury potential increase with speed. There are other people around as well (like the guy next to you) that could be injured.

As far as insurance goes, street racing is the better bet. Insurance covers reckless driving, it even covers drunk driving.

Let me be clear though, you should read your auto policy because they are all different. I bet most of them don't have a specific exclusion for organized racing, and if it isn't excluded, then it's covered.

I'd also like to point out that there really isn't a much higher risk in the mountains. When you're actually 4 wheeling (not just being a dumbass like I was) you are going slow, and trying to make your way over obsticles without doing any damage. You don't just tip over all of the sudden, you can usually see it coming and it's VERY preventable.

[DrJones]

As far as insurance goes, street racing is the better bet. Insurance covers reckless driving, it even covers drunk driving.


So that's why my insurance costs so much....

I love our society. People can do stupid shit and cost me money because I happen to be the same age/sex as them.

[Kwando]

that sucks stu... get a FJ Cruiser..

[stu]

So that's why my insurance costs so much....



No, your insurance costs so much for all of, but not limited to, the following:
1)You drive a car that has a high risk of being stolen.
2) The garaging location listed on your policy is probably less safe than another part of town.
3) You claimed at least one theft on your insurance (for some reason theft is one of the worst things to claim because they see it as very preventable).
4) People constantly commiting fraud with relation to bodily injury claims. Not just customers, but many, many, doctors, laywers, chiropractors, etc.
5) There is no other/better way to rate drivers than using available statistics. Insurance isn't a non-profit business, companies have to be able to make money in order to pay out claims. They also have to have enough money in reserves to pay stuff out when it needs paid, they can't live pay check to pay check from people's premium payments. Unlike oil companies, many insurance companies lost money during hurricane season last year. A few companies even went insolvant.

[stu]

that sucks stu... get a FJ Cruiser..

I thought about it, but they are still too new and too expensive. Plus I decided that I want something that I'm a little less afraid to beat up/modify. The more I think about it, the more I want an older Land Rover, one without any type of electronic traction control.

[DrJones]

3) You claimed at least one theft on your insurance (for some reason theft is one of the worst things to claim because they see it as very preventable).


Yes, exactly. Theft is preventable, that's what the Lojack that I paid for is for. The thing that has lead my car to being recovered both times it was stolen. The thing that basically saved the insurance company from paying out the full price of my car. Do i get any kind of discount or anything for it though? Nope.

So both times my car was stolen I ended up paying for it out of my pocket because I didn't report it to them because I would just get screwed. It's bull shit. My car gets stolen, it gets recovered because of what I pay for, and i get screwed and stuck with the repairs. If I didn't try to do anything to make it preventable, than my car would be torn to pieces and on our for sale forum, and I'd have a check for the value of it. Me taking initiative costs me money and benefits the insurance company. That doesn't seem right.

My car getting stolen (not my choice)= I get screwed. Stu somehow managing to flip his truck on what appears to be flat ground (his choice) = he "might even come out ahead"

/end insurance rant.

[stu]

You get lower rates when you have a theft preventing device on your car like a low jack. You should have been getting a discount rate compared to what you would normally have been paying the whole time you had low jack, but you probably didn't tell them.

I might come out ahead because my truck is worth near what I paid for it, so when they reimburse my sales tax (which I never paid) I could come out ahead a few hundred bucks.

Don't forget about your lein holder Paul. Why should my credit union be out $16,000 just because I was being a dumbass? It's the same thing with covering drunk driving. If you hit someone else, they should have every right to have their stuff repaired. They'll pay for drunk driving accidents, then cancel your ass.

I'm positive that my company will drop me by the way. Insurance companies can't just up and cancel a policy. There are only certain reasons they can cancel someone. Some examples are drunk driving, misrepresentation (if you lie about something like saying that you aren't using your car for a commercial purpose, but really are), and having a claim within the first 60 days of your first policy term (they don't care if it's a renewal). I flipped my truck within the first 28 days I had my policy, so you think they'll be canceling me? You better believe it!.

Fortunately, I know that in advance so I'm going to buy another insurance policy tomorrow. Why? Because when I sign up for the policy they'll ask who my current carrier is and I'll tell them "It's Mendota" because technically I'm still insured. Mendota won't lock in my claim until it's closed, so when the new company sees my C.L.U.E. Report (insurance record), not only will there be no record of a cancellation (hasn't happened yet), but they won't see my at fault collision yet either. If I buy a year policy, they won't have any reason to pull my C.L.U.E. report until I renew in a year's time. Even then, they don't look at every renewal, and as long as there is no new activity on my policy (moving violations, accidents, claims) they won't have a reason to pull it at the renewal. There is a good chance that I'll never see a rate change for this accident. :) AND, if they DO see it next year, they can't raise my rates to cover for that year that they didn't know about it. They can only raise the rates a percentage of the premium, and even then the percentage is also set determined by how long ago the accident occured.

I happen to love insurance.

[ryanman]

FJ Cruisers are FUGLY.

[DrJones]

Are there any company's/polocies that don't cover that kind of thing? Seems like good drivers could sign on with them and get cheaper rates as a result.

Also, state farm said they wouldn't give me a discount for my lojack because it doesn't activly prevent the car from getting stolen. It still saves them an ass ton of cash, but since the car still technically gets stolen and leaves my property they won't cover it.

[stu]

You mean they don't discount for it. I see what you're getting at, but there isn't really a policy that gets that detailed. If you get into like commercial business policies you can get very detailed, but not personal auto policies.

State Farm is a prefered company (those are good) so they will often have better policies. For example, Weston was saying in an earlier thread that his insurance company will automatically cover up to $1,000 of extra equipment, where as a high risk company like I'm with (Mendota) won't do that. I actually got everything on my truck covered through loop holes that I wasn't even aware of (I noted them some where earlier).

The reason that you won't find a policy like the one you are describing is because it is too limited and they'd immediately get sued for bad claims practices. Let's say you bought a Land Rover and told them that you'd never take it off road, so you wanted an exclusion that would drop your rates. 6 months later you've got a new girlfriend that you want to impress, so you take her up an easy dirt road for a picnic. It starts raining, then it's raining really hard and the road washes out underneath you and you slide down a hill into some rocks. Even though you tell them you were just trying to have a picnic with a good view, they'll still say that you were off road and voiding your contract.

Or

If you let someone borrow your Land Rover and they take it out 4 wheeling without you knowing, even though you wouldn't have done so yourself. There is no reason that you should have to pay for a damaged vehicle that you didn't do yourself just because you signed an exclusion.

Another important thing with insurance is knowing what kind of endorsements you can get. I get a lot of people bitching about after market parts to me. We sell an endorsement for like $5 extra dollars that makes it so all the parts used to fix your car have to be OEM. That would shut up a lot of whinny babies for only $5, but 99% of them have no idea that something like that even exists.

EDIT: I just read your question again. What about good drivers that like to do those things? How would they get a good driver discount?

The state of Montana hates insurance too, and as a result they've created a ton of laws that litterally rob insurance companies of money, making it VERY difficult to be profitable in that state. Meaning that the high costs are passed right back on to the customers. Attorneys make fucking BANK in Montana off of bodily injury claims. All they have to do is litterally sit on their ass too.

[smithz]

I did. :D

Statics and Dynamics, Fluid Dynamics, Surveying, as well as Circuits and Control Systems.

Valid point, let me rephrase...

"EE's don't exactly have to take ME and CE classes unless they want to"

:D Yesterday sucked for precision. Although, I would say with the exception of surveying, which must have been by choice, those classes are more like advanced physics electives. ME's and CE's have entire classes just on material properties. I don't consider the thermodynamics class I took to be anything other than more specific physics.

All this over a misspelled word. :rof:

[STIBungy]

Believe you me, I didnt want to take Surveying but had to. But it was fun. Saw lots of snakes. One kid almost stepped on a rattlesnake.

[smithz]

Believe you me, I didnt want to take Surveying but had to. But it was fun. Saw lots of snakes. One kid almost stepped on a rattlesnake.

Odd. What school did you get your EE from?

[Conrad]

Odd. What school did you get your EE from?

He got it from International Interw3b school of madagascar

[stu]

I've been emailing back and forth with one of the guys that works at Klode in our total loss department. He says the truck would realistically go for 5-6k if sold at Klode. He says if it's 3-4k to retain I should do it. Anyone want it for 6k?

[2Fast4u]

Hey stu if your really wanting a rover get a defender those things are sweet

[smithz]

He got it from International Interw3b school of madagascar

:rofl:

[Conrad]

Hey stu if your really wanting a rover get a defender those things are sweet

those things cost lots o $

[smithz]

Yes, and I think they are harder to find too.

[stu]

There are 3 or 4 on craigs list right now and the cheapest one is $29,000.

[smithz]

Case in point for expensive. Guess they aren't so hard to find.

Look for a Samurai... not sure how much those go for, but I hard those are hard to come by too. Who knows.

[STIBungy]

Mines.

Odd. What school did you get your EE from?

[stu]

I think I want something with a little more room than a Samuri.

Some of the late model Toyota Land Cruisers came with center, front, and rear lockers from factory, but those might be too large/expensive for me. If I could find a nice one for $10,000 and give it a test drive I'd consider it. It'd be nice if it had a v8 as well.

[Conrad]

http://www.we-todd-did-racing.com/wetoddimage.wtdr/wMTAxNTI0ODZzNDEzZGZkMzF5NTQx.jpg
http://www.we-todd-did-racing.com/wetoddimage.wtdr/wMTAxNTI0OTZzNDEzZGZkMzF5NTQx.jpg

I stay stick with toyota, or a heep

[Brandon]

http://www.pirate4x4.com/forum/showthread.php?t=517136

[ryanman]

Check out some 94-98 Grand Cherokees, I love mine. It's awesome offroad, very comfortable, the V8's haul some ass, aftermarket is huge for them.

[-=[Juztin]=-]

this thread became HARDCORE

[stu]

LOL, we didn't even make it to CORE.

I like this because it'd be pimp to Wheel a Lexus. But it's only the V6 and I haven't found out if it's got regular hi-lo 4wd as well.

http://denver.craigslist.org/car/205768801.html

[stu]

That one is too much Brandon.

[ryanman]

Buy Marks Supra.

[stu]

I'm looking pretty hard at the Land Cruisers now. I want a Lexus one.

[smithz]

Mines.

No wonder... :D

[smithz]

Hahaha, that's badass. It's hard to see the forks on the tire so it looks like it's just doing some random mid-street three wheel action. Why is $16K too much Stu? You should be getting enough back from insurance, and as long as you minimize the doughnuts, it should last awhile... :D You'd outwheel us all in that thing.

http://i89.photobucket.com/albums/k208/rodger30/front.jpg

[Kwando]

damn stu... 28 days!


http://www.pirate4x4.com/forum/showthread.php?t=517136

thats a sweet truck!

[STIBungy]

That thing will put all the vatos to shame.

http://i89.photobucket.com/albums/k208/rodger30/front.jpg

[smithz]

That thing will put all the vatos to shame.

:werd:

I say you make it happen Stuseph.

[stu]

damn stu... 28 days!


Just 28 days since I started that policy. I got the truck at the very end of July.


$16,000 is too much because then I couldn't afford any thing else. I want to have a cheaper vehicle that I don't care quite as much about it getting a little beat up. Like a Lexus. ;)

[stu]

Okay, I just got off the phone with the total loss adjuster and she ball parked the settlement at $20,000. I owe $16,900. That's enough to pay off all my debt.

[Conrad]

nice..... now buy brandons truck

[Chris_V=|work|=]

you should wreck cars more often

[Brandon]

dayum lets go roll mine, I'll make more money that way

[Weston-work]

you should wreck cars more often

:rofl: :werd:

[stu]

dayum lets go roll mine, I'll make more money that way

That's what I was thinking. Take your body lift off first though.

They told me that they wouldn't cover the bug shield. I said I didn't care and she said they only would have paid $15 for it anyway. lol

[Nate]

Dammit Stu, how many times do I have to tell you I want the SC. Don't people sell buy the e-lockers? Is the lift and suspension still good? I bet you could sell the shell as a project.

[stu]

My guy down at Klode said that the truck would realistically sell for $5-6k at the auction. All the suspension should be good.

[smithz]

$16,000 is too much because then I couldn't afford any thing else.

With that thing, you wouldn't need much else. That's why it would be worth it. One time cost, and you wouldn't be stressin over how much money you are throwing into it. :D

Of course, you would have to listen to the rest of us cry because you could get over more than anyone else...

[smithz]

Okay, I just got off the phone with the total loss adjuster and she ball parked the settlement at $20,000. I owe $16,900. That's enough to pay off all my debt.

Jesus. Did they tell you what your buyback would be?

[stu]

Not yet, I'll find out exact figures tomorrow though. I think I'm still going to let them keep it because I can't pass up paying off all my debt. Unless I can have it for like $1,000 or something, which is NOT going to happen. It's insurance, not magic. ;)

[smithz]

I don't know... getting 20K out of something you paid 18K for sounds like magic. :D

[stu]

Not even $18k $17.5k. :)

I think that by the time I actually get the title, I'll have made at least another full payment and only owe like $16.5 for it. :)

I'm positive that figure includes the sales tax that is reimbursed to me, but if not, that's like another $1,400 coming to me. Oh yeah, that is already minus my $500 deductible too. How could anyone hate insurance?

[smithz]

Because that shit would never happen to a normal person...

:rofl:

Seriously... who comes out ahead, way ahead mind you, after rolling their shit over? (Rhetorical question, since Stu's already answered this for us)

[stu]

People who get a good deal on what they've paid for. If the previous owner would have rolled it, he would have gotten a check for about $7,000 if his insurance gave him what mine ball parked for me. I didn't think I was that upside down in the truck, I guess I wasn't at all. :)

[smithz]

Actually you were quite upside down in it... :rofl:

[stu]

Too true. heh

[Brandon]

LOL

I like your thread on ttora, everyone else in chat does to ;)

[Weston-work]

link?

[smithz]

LOL

I like your thread on ttora, everyone else in chat does to ;)

Stu is cheating on HAI? You Bastard!

[Weston-work]

Stu is cheating on HAI? You Bastard!

He whores it up on the 3rd gen Camaro forum too.

[stu]

I posted the rollover pics on the thirdgen.org forum but they closed it. Don't forget about www.g2ic.com guys.

[Brandon]

http://www.excessvelocity.com/pictures/stu.jpg

[stu]

Haha, where'd that come from?

They called me this morning. The official number is $20,100.00. They will get me a price to retain it on Monday.

[smithz]

:rofl:

However, Stu was about as far from crying as he could have been... which is more than I could say if I had done it.

Regardless, it seems to have been a smart move on your part. Who'd would have guessed.

[Dave_L]

There's not much you can do after you roll a car. As long as everyone is ok, you might as well laugh about it. Just like when I blew the motor...

[Brandon]

I posted that pic on ttora becuase a lot of people think stu thought it was funny and was laughing. I posted that maybe it would've been better if he had been crying and pouting the rest of the day instead. I guess that would've gained a little more respect.

I gOt m4d cH0piNg Sk1llz y0

[smithz]

There's not much you can do after you roll a car. As long as everyone is ok, you might as well laugh about it. Just like when I blew the motor...

Yeah I guess. I know I would have been bummed the rest of the day/week/year. I was actually bummed that it happened to Stu's truck.

I think I care too much about vehicles...

[Dave_L]

I like my cars and stuff but like Stu said...Its just a car. Yeah it sucks that ive been without a jeep but shit happens. There's always another car, another motor, etc. No reason to let it ruin your week.

[Conrad]

all of you are so immature..... this isnt a laughing matter.. People could have died!

[smithz]

all of you are so immature.....
:werd:

:spit:

[stu]

Speaking of maturity. I just got banned from TTORA. lol

What a bunch of fags.

[Weston-work]

Speaking of maturity. I just got banned from TTORA. lol

What a bunch of fags.

Banned for what? Sounds like a truck-ricer forum.

[Dave_L]

Just another reason why Jeeps>toyotas. :D

[Brandon]

:rofl:

I'll have to peepz that thread.

[stu]

For being a troll of course. Reply to initial insults from respected memebers with insults to respected members and get banned. It also doesn't help to openly call out the moderator who sent you a PM warning about getting banned. :) Oh well, no big loss, all internet boards are the same.

[Brandon]

haha bye Stu

[stu]

They should let me post on the Colorado board. I can't even SEE the board.

[Brandon]

It said "see you in 3 days" if you care.

[stu]

Oh, it's only a temp ban? That's pretty respectible of them.

My plan was to start a thread on yota tech saying how much I fucked up, how stupid I feel, how sorry I am, and asking what I should do. Wait until the thread is long enough so the inevitable e-thugs come in saying what a tool I am, then cross link the thread. heh I guess three days gives me plenty of time to do so. :)

[Brandon]

lol works for me.

[stu]

Brandon, you should tell the colorado guys that while I appreciate some of them sticking their necks out for me, they really don't have to put themselves on the line for me. I don't want them to lose any accountability with some of those douche bags just because I can be an e-warrior, defending my family honor.

[Conrad]

brandon should cross link this thread over there and we can talk shit about them from here

And then you can ban them when they come over here... LOL

[stu]

Haha, that'd be funny. I would only ban the actual trolls though. We try not to ban too many people from here. Plus you guys love that shit.

[Conrad]

If you registered just to troll, I will be more than happy to show you the door.

Have a nice day
__________________

cronusTRD


LOLOLOLOLOLOLOLOLOLOLOLOL

[stu]

Are you banned yet? Tell him that you registered to exercise your first ammendment right to state your opinion that Jeep > Toyota. Then quote the guy saying that I was posting in a public forum.

[Brandon]

Brandon, you should tell the colorado guys that while I appreciate some of them sticking their necks out for me, they really don't have to put themselves on the line for me. I don't want them to lose any accountability with some of those douche bags just because I can be an e-warrior, defending my family honor.

Meh, their/my choice.

[stu]

Good enough for me. Asking you that was a stretch anyway. :)

[ryanman]

We demand links to these so called threads.

[Brandon]

www.ttora.com