TheLugNutZ

bad argument flood is NEVER covered by homeoweners. Has nothing to do with act of god or not. Act of god just means the owner of the tree isnt held liable for it falling. Since it wasnt his fault it fell. If the owner was warned to take it down b/c its dead and is a danger and fails to do so, then at that point he can now be liable since its no longer an act of god, it was dead and someone didnt do what they needed to do to midigate possible future dmg.

It would have to go under you insurance since it fell on your prop. You could sue him, but unless the tree was deemed dead and unsafe ahead of time he is prob not liable. Chances are its under your deductible, but you should get an estimate then call the insurance co just to ask. It USUALLY doesnt go on your record if you are just calling to ask about coverage. If they say they need to open a claim to have an adjuster look at it, then yes it WILL go on your record. You should 1st go to your neighbor to see if they will foot the bill or at least split it with you. (im an insurance agent)

take them to court then, def.

Yeah the U/W has a mandatory $500 deductible, so def take them to court. Problem is you cant get blood out of a rock. They are on medicade for a reason... Good luck sir. Any other advise or help LMK...

If you have a "standard" policy, it has to come with it. Just check your declarations page, it will show the coverage listed right there along with the rest..

It only covers their own medical bills. Its pointless b/c medicade would pay anyway. Its like a bad joke among us insurance professionals. Best thing is (as evidenced in this thread) if they hit you you cant claim it through their liability so you end up paying a $500 deductible and having to claim it on your own policy. Its pretty f'd up.

Not not ok. What you are describing is different. People other than the person dying wanting to go as well. Thats not the same thing. Why should someone on their death bed have to go jump off a bridge to end it? Seriously?

As an insurance agent, a few things at play here and some of these answers you are getting are making my head hurt. Since they KNOW who it was that hit you, you dont need collision coverage on your policy to have it covered. If it turns out they didnt have insurance then you can claim it through your under/un-insured coverage. (thats if you have a standard policy with U/W coverage, if you have a basic policy w/ no U/W coverage then you are screwed). If they ran, and you didnt catch them, then yes you would need to have it claimed through collision coverage. But thats not the case here. I think you should go back to the police to find out why they didnt charge him with a hit and run. You have every rite to do that. Also make sure when you get the police report its 100% accurate as to what you believe happened. Edit: Dollar-a-day is for people on medi-cade (low income) and has NO LIABILITY coverage believe it or not (but still legal...yeah doesnt make sense.. typical shit) . You should still be able to claim under your own U/W coverage.

What does a volvo have to do with being liberal?

Shield b/c I have one and its my favorite pistol. It gives you the added benefit of being able to carry it if need be, and you dont have to worry about stocking another round.

Doesnt sounds like it would be NJ Legal to me

I had a 795 and it was a great little gun. I had a cheap scope on it and it was pretty damn acurate out to 100 yards easy. I think I had one fail to fire in like 2000 rounds and it was prob the ammo's fault. No other issues at all.

Thread about an acive case in a US hopital? Sorry it was new news and I didnt see it in my "unread threads" area. What exactly do you mean feelings dont enter into it? I didnt realize we were robots with no feels about a situation.

How do you guys (and girls) feel about this? Anyone doing any additional preparations? I know its very unlikely that there will be a wide-spread pandemic here b/c of how it spreads and our infrastructure. Its just a little scary that a person that flew here from Africa and showed signs of being sick was sent home for days from the hospital. In the mean-time, this person now came into contact with a ton of other people, health professionals, the ambulance, you name it.

oops meant with or without nicotine, not tobacco.

People also use them as a smoking replacement. You can get them with or without nicotine. Some also use for "flowers"...

Its actually a pretty effective way... got the job done didnt it?

Yes it is, gotta do it now or never. Still market share to be had tho. Ill have to check what brands he carries and post back. I really am curious what people like so I can concentrate on a few of the popular options 1st then branch out.. thanks

Question for you guys. I may have a connection on whole sale vapes, e-liq, and accessories. I am thinking about setting up an online store initially and also start selling locally (maybe at auctions on small store-front type situation) would anyone be interested in ordering from me if this transpires as I hope? Ill keep you guys updated after I speak with the whole sale supplier again. Not sure at this point what I will be stocking but will update with that info later on... Also, it would help if anyone can list favorite brands and juices I should try to stock. I admit, I dont know much about this stuff (i know a little about vapes, but the e-juice im not very knowledgable about) so Its also a bit of a learning experience for me as well. thanks

My Uncle ownes Good As Gold in Toms River on Rt 37. Ask for Todd, tell him Wayne sent you, he will take care of you. And he walks around with a Sig 226 all day, you guys can shoot the shit about that too lol

No one needs to know its on your hip.

Dexter and Ray Donovan

Monmouth county, mix of hybrid and heirloom. Not sure what they are exactly, my father started them from seeds and gave me what he didnt have room for in his garden. So mine went in a bit late and they are a bit behind schedule. There are tomatoes on the vines, but def not ready yet..

Anyone else here a member of Reddit? This guy made a post basically asking for opinions about news stories to run. I made a post just generally about gun laws and he replied asking for specifics. I figured this would be a good way to get some of our opinions across to a news paper editor. If anyone wants to reply to his post please do so, Ill let you guys handle that and Ill add to the discussion as needed.. http://www.reddit.com/r/newjersey/comments/2bht3j/new_nj_associated_press_editor_what_do_i_need_to/

Sounds good. If they are still in the box, you should just go to walmart and exchange them or something. One time I asked my wife to pick up a few and she bought the wrong ones by accident, walmart just took them back. I dont even think she bought them there.