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Everything posted by leahcim

  1. Same thing in the Center City attack in January--except it did not go as far and the perps were apprehended. http://www.philly.com/philly/blogs/dncrime/138331584.html This happened before Trayvon but got little coverage. No hate crime charges were filed by the DA even though the teens used racial epithets.
  2. 1 and 2: I insure with Amica also. Service is decent, but dealing with the PIP doctors (IME) can be difficult--especially if you believe the treatment is helping and they claim you have reached "maximum medical improvement" and wish to cut you off. I had to go to arbitration with them on this once--they lost and had to cover the treatment plus my attorney fees. But the adjusters and claims people are always nice and always professional. 3) Have you comparison shopped their pricing against other insurers? I usually run a comparison every year and they are close enough. I also have an umbrella ($1E6 excess liability) and HO policies with them. I do not have the price breakdown, but my auto policy is about $1100--zero-threshold, Comp/Collision ($500 or $1000 deductible), $500,000 liability, Uninsured/Underinsured motorist, $2500 PIP deductible. The umbrella policy is about $150. I will probably drop my comp/collision soon as my car is almost four years old now. 4) Have you made any claims in the last few years and how were you treated? Any other relevant info you wish to share would be greatly appreciated. I had two claims against the PIP (both were for accidents in which the other party was at-fault.) PIP claims were fine until we got through the first couple of treatment plans. At that point they try to cut you off--send you to their doctors and slow-roll everything. You have to continue treatment and (in one case) maybe go through PIP arbitration. In my case we had an orthapaedic doctor who would evaluate every month and document objective improvement with the PT--range of motion, pain, etc. I got an attorney who speciailizes in PIP arb cases (pro-bono, so if he accepts the case it has pretty good odds of prevailing) and the insurance had to pay for all of the treatments plus the attorney fees (law in NJ for PIP cases). I was rear-ended once and the at-fault party was insured by Allstate. I know they are representing thier client, not trying to help me--but after dealing with those idiots, I would never buy anything from Allstate. They were very unprofessional and nasty in my dealings with them. Second incident, I was on my bike and was hit by a truck--I was on a street with no stop, he was turning onto same street from a side street with a stop-sign. Apparently did not see me. Very minor injuries, but it destroyed my carbon fiber bike. He was insured by Liberty Mutual, and they were a pleasure to deal with--especially compared with Allstate. Did not try to fight me on replacing the bike (the only visible damage was to the fork, but with Carbon Fiber you can have small fractures that will fail catastrophically later PLUS it voids the warranty). They covered the bike, some after-market products, my clothing and paid me for my time off of work. Also, I had the verbal threshold back then and I switched to zero threshold after that--it added about $400-$500 to my bill (per year) but it is worth it. With verbal, you could have ongoing chronic pain or other issues that have real economic impact, yet be unable to sue if it does not pierce the threshold. I also carry very high deductibles and drop comp/collision after 3-5 years--I rarely get into at-fault accidents (actually never had one involving another person), and I can handle a few thousand dollars if I do. But having to pony up for a five or six figure loss would be unsat. This is one of my problems with the state minimum policy--I think it is called the "basic" policy. The liability limits are just pathetically low--$0.00 bodily injury liability, and $5000.00 property damage? and the "standard" policy is not much better. If you have any assets to protect, go with at least $500,000.00 combined liability limit.
  3. I saw this piece on Rock Center; the guy who had leaned the gun on his truck admitted that was his mistake--but he still had expected the safety would have kept the gun safe. The other guy--shot most of his hand off--said that he did not blame Remington at all; and admitted that his hand should never have been in position to be shot--safety or not. He stated that he sent the gun to an "independent lab" which verified repeatability, then he sent it to Remington and they could not repeat the incident. He claimed he was not seeking damages from Remington, just wanted to inform them of a potential issue. I think the Glock is setup so that the firearm cannot normally discharge if it is dropped--something about the trigger bar blocking the firing pin until the trigger is actually pulled. The third guy "accidentally" shot his wife--I did not find his story persuasive. "Honey can you help me clean my gun? Yeah, stand right in front of the muzzle while I clean the trigger." He was cleaning the firearm in his garage and asked his wife to help. Gun just went off by itself. The guy is either brain dead for not unloading and double checking prior to any cleaning activity, or it was an intentional act. The NBC reporter said they (NBC) were not anti-gun, and they would do the same story if it were a defective baby stroller. However, the main expert they relied upon seemed to have an axe to grind with Remington. I can't remember, but I think NBC did mention contributory factors such as lack of maintenance and unsafe handling.
  4. You rarely see a gas station that is not also combined with a convenience store; thus allowing the store to sell gas at low, low profit margins. I don't know the percentage, but almost everyone who buys gas is also buying something else inside the store. And most of that stuff has very high margins (think coffee and soda, cost is almost nothing so it is pure profit). The gas is a "loss leader" to get people in to buy the stuff that pays for the business. Think about it. If you are selling gas and you lower the price to one cent less than the guy on the other corner. Even selling at break-even or a loss, you will more than make it up because you now have more people coming to your station rather than the other guy's; and the increased revenue on those high-margin incidentals will more than make up for the revenue decrease on fuel sales.
  5. I am still ambivalent because I am not fully informed on SYG. I understand and agree in principle with law that would extend a castle doctrine to allow protection of self and property outside of the confines of your property. But I am not sure how far that should go--should there ever be a duty to retreat? Does it allow broad, blanket defense against any shooting (just say "I feared for my life" and the only wittness is dead) and the court has the burden to prove that you did not fear for your life or feel threatened? Is there a responsibility to try to de-escalate or retreat--e.g. if someone is running away from you with your property, can you chase them down and then defend yourself in the ensuing confrontation? So I think it depends on how the law is written, but I think anyone who CCW has the responsibility to understand the law, when they can/should employ the weapon, when they should step back and let the situation play out, when they should try to descalate and--when a confrontation does occur--how far do you take it. e.g. many self defense laws do not allow you to continue "defending" if the perp has backed off or becomes compliant. I think it is pretty useless to discuss the current Zimmerman case wrt SYG because it is completely dependent on whose story you believe, who was the aggressor, did Trayvon attack Z or vice versa, etc. The Jury is going to have to decide that based on fact presented in court, not based on media hyperbole from both sides--I do not envy that job because they will probably be in danger if they do not give the right decision (and by right I mean Left).
  6. Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; Singing a traditional and/or patriotic song in a public school is not Congress making a law respecting an establishment of religion.
  7. Sorry--should have said they can be not re-appointed. No wonder I never see judges on the ballot since I moved here. As for the original question--I have considered applying. But knowing it would be an almost pointless exercise, could cause problems when I move out of state, and could get expensive and use up a lot of time better spent at the range; I decided against that fight.
  8. Yes, but they can be not re-elected. And I can imagine the campaign ads now--against a judge who approved a CCW permit that was later used in commission of a crime.
  9. The way I understand the law, one is presumed innocent until guilt is proven beyond a reasonable doubt (in criminal matters). While one may be actually guilty, guilt must be proven IAW proper legal process to establish a legal judgement of guilt.
  10. I was beside myself when I read the original judge refusing THREE TIMES the jury's request for the allowable exceptions for transporting firearms. The moving exception was brought up during the trial, and the jury ask (THREE TIMES) for further information on the law and exceptions. The condescending judge told them that it had no bearing, did not apply here--why not provide the law as requested and let the jury decide?? THat is how our system works! Yeah, I don't get that at all. I hope they appeal that HP ruling and get some clarification. Are you supposed to leave your legally owned HP ammo behind when you move????
  11. Yeah, because if the Aitken opinion is correct on this (no "moving exception" for transporting HP) then there is no legal way to transfer legally owned HP ammo if you move to a new house. Unless maybe you could fed-ex it? That seems ridiculous.
  12. Exemptions were mentioned at trial. According to the opinion (p.10), "During deliberations, the jury asked about the exemptions, which had been mentioned during the trial despite the fact that they were not charged." and The note [from the jury] read: "Please define the exceptions to the law for all three charges. That is it was announced that 'moving is an exception.' We need to be clear of all exceptions, if any, for each charge."
  13. According to the opinion, they could technically hear the case again, but thanks to Gov. Christie's commutation, that would be pointless. Footnote 8 on the opinon: "Although the State may elect to pursue a retrial, we note that the State has conceded that the gubernatorial commutation of the custodial sentence precludes imposition of any custodial sentence following such a retrial" I absolutely do not understand and cannot comprehend the trial judge refusing THREE requests from the jury regarding the moving exemptions for transport of firearms. They asked for it THREE times, and the judge tells them they do not need to consider that.
  14. http://gunnuts.net/ http://letsgorideabike.com/blog/ http://www.guns-n-gardens.com/
  15. Didn't the Plaxico incident involve an AD though? I can see that resulting in a tougher punishment.
  16. So is a realtor considered self-employed? And would an open house be considered a temporary place of business of said realtor? Or would she have the right to carry within the confines of the open house because it is a private home??? Also, does anyone have experience using the Kimber blaster? It sure looks cool, but Gun Nuts (Shelley Rae) reviewed it and did not seem to like it due to the short blast and difficulty aiming (http://gunnuts.net/2011/10/21/effective-pepper-spray/) I bet NJ laws would like to outlaw it too because it looks too much like a gun.
  17. I don't think so. I am no legal scholar, but the way I read the last sentence Sec 926D(a) it does not apply to residents of the state that obtain permits in other states: Sec. 926D. Reciprocity for the carrying of certain concealed firearms `(a) Notwithstanding any provision of the law of any State or political subdivision thereof (except as provided in subsection (b)), a person who is not prohibited by Federal law from possessing, transporting, shipping, or receiving a firearm, and who is carrying a valid identification document containing a photograph of the person, and a valid license or permit which is issued pursuant to the law of a State and which permits the person to carry a concealed firearm, may possess or carry a concealed handgun (other than a machinegun or destructive device) that has been shipped or transported in interstate or foreign commerce, in any State, other than the State of residence of the person, that-- `(1) has a statute that allows residents of the State to obtain licenses or permits to carry concealed firearms; or `(2) does not prohibit the carrying of concealed firearms by residents of the State for lawful purposes. So, perversely, people living in PA could CCW in NJ, but not residents of NJ!
  18. I got a similar response from Senator Lautenberg. In my email to him I stated that I applaud his concern over states rights (which he cited as a reason to oppose the bill) but pointed out that 2A trumps 10A. But I am happy just knowing that he is keeping my views in mind as he goes about the people's business. I know he's got my back ;-) Thank you for contacting me about concealed weapons. I appreciate hearing from you on this issue. As you may know, the “National Right-to-Carry Reciprocity Act” (H.R. 822) would allow individuals who have permits to carry concealed firearms in their home states to have their concealed carry permits recognized in other states that also allow concealed firearms to be carried. This legislation has been introduced in the House of Representatives and is currently pending before the House Judiciary Committee. Similar legislation has not been introduced in the Senate. Please be assured that I will keep your views in mind should this or similar legislation be considered in the Senate. Thank you again for contacting me. FRL: mts Sincerely,
  19. Personally I try to avoid any food products that contain any ingredient that I do not recognise or do not have in my own kitchen--something like 4-methylimidazole would not pass. I also try to avoid anything with added colors--it does not affect the taste so I do not need the extra color. As long as the ingredients are clearly and accurately listed--so I can make an informed choice--the government should leave that choice (to consume it or not) to me. I take responsibility for what I eat and drink, the state has no business regulating it.
  20. The way the law reads: Yes. They do not have to be locked either (unless they are transported by automobile AND you opt to put them in the trunk)--just make sure the guns are unloaded and in a closed and fastened case or securely tied package. The way I read it, the gun has to be INSIDE something. But I think a plastic shopping bag would suffice as long as it is securely tied. I plan to ride my bike about 10 miles to the range this Spring. I have rack/panniers on one of my bikes and plan to put the guns and ammo in my panniers. If you are obviously carrying a long gun, I would not be suprised if you are questioned by LEO, but I am thinking with handguns there would be no reason for them to even ask...unless they are staking out the range. "shall be carried unloaded and contained in a closed and fastened case, gunbox, securely tied package, or locked in the trunk of the automobile in which it is being transported, and in the course of travel shall include only such deviations as are reasonably necessary under the circumstances."
  21. I used to get an attitude when pulled over, but that got to be expensive (plus I was young and stupid then). Now I realize that this has to be one of the more dangerous part of the job--so I keep my hands on the wheel, open palm; respond with either "Yes sir" or "No sir" and try to be respectful. I do not understand mature people taking an attitude--even if you fake it, it is going to cost you a lot less. I like Chris Rock's old video on how not to get your a$$ kicked by the police (Sorry it is low-def): http://video.google.com/videoplay?docid=-880897175401400927#
  22. Do not know about the other stuff, but the guns and ammo are perfectly legal for sale at flea markets in VA. As long as one posseses a valid VA DL (or anny adjacent state except for MD and DC) There were several tables with guns and 100 round magazines. We had a serious discussion about moving to Virginia after that!
  23. Same in VA and TX. I was at a flea market--YES, a FLEA MARKET!-- in VA recently and the guy told me that to purchase I only needed a valid VA DL. Several tables had firearms, and magazines spread out on open-air tables. Would be great if we could do that at Englishtown or Columbus! As for NJ, I have been asked only for FID at stores (not always), never for P2P. Ranges never seem to ask though.
  24. I know that the Generac and B&S (probably Kohler too) come with a housing, but I am not sure if it is just for weather or provides some sound insulation as well. I was thinking of building a doghouse around it--with some rigid, sound-insulating foam--to cut the noise and also to disguise it a bit and make it seem like I have a large dog.
  25. Most codes require a transfer switch--or some sort of interlock--which will isolate the generator from the utility. Typically you will run the circuits you wish to back up--from your main box over to the TS and back. The TS has only two positions--one powers the backed-up circuits from the utility, the other from the generator. So there is no way to backfeed into the utility (assuming your house wiring is up to code as well). I have been looking at the Generac 10KW and 14KW that come packaged with an automatic TS--when you lose power it will automatically fire up the generator and switch over. It also performs a weekly maintenance startup. And it runs on LP or NG. Also I have noticed on the specs that the output is about 10% lower when running on NG than LP. The 10KW is about $2800 http://www.generac.com/Residential/Guardian/Products/Guardian_Series_10_kW/ http://www.electricgeneratorsdirect.com/quick_search.php
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