Can we discuss pet peeves here? (6 Viewers)

[Instinctive]

People that talk baby talk to their pets.

People that talk baby talk to their kids. We just started off talking in words, but in the usual tones we all think are comforting for babies. By the time each of them was ready and was trying to talk in words, they were trying to say words they'd heard all their lives.

We were in a pediatrician's waiting room and were listening to and talking to our less-than-a-year-old kid. One woman across the room said to another "Look, they're talking to their baby like it's a real person."
My wife and I said in unison "He is. He just doesn't know the words yet."

I might be misunderstanding what you mean by baby talk.

This is what we do too! They're people.

Baby talk is the stupid high pitched a boo boo boo aren't you just so cute woo woo or adding a -y or shortening words to half the word related twice. Like a chair isn't a Cha Cha.

I’m by no means an expert on childhood development, but I do recall hearing that “mother-ese” actually does serve a developmental purpose

To an extent. It really helps to use words, rather than crap talk. Some is good; too much is not so good.

Idk. My wife and I are pretty research based and did a LOT of reading, and basically everything we could find pointed to improved development by emphasizing sign and by talking to them like people as soon as they start to comprehend (call it 4-5 months in). Including the gold standard author on this stuff, Emily Oster.

Very happy with how it's going so far, and our pediatrician keeps indicating it's the right approach.

I thought I said that.

I was agreeing with you and reinforcing, but not splitting the chain of posts with ignatius.

 

[Instinctive]

I said the ideal situation. Ideally you call them, they fix your ****, thats it. Doesnt always go that smooth.

But why do you call them? That's what my insurance agent is for. I called my insurance agent, gave them the info for the other driver and they handled all the back and forth. Same as what Mrs R stated above as well. I have insurance in part so I don't have to do all the work. That's what I am paying for.

Yeah exactly. I had an incident where a guy ran a stop sign in a parking garage (it was blind for those coming up the ramp, but those at stop sign can see) and tboned a guy at like 18 mph.

Called over the university police. Took pictures of both cars, took pictures of the other driver's POV showing the stop sign and the mirror that gave him vision, took pictures of my approach and how it's totally blind, got a police statement, exchanged information with the other driver via the officers.

Gave all that to my insurer, one phone call where I said what happened, they said the other insurer will call to ask the same. Other insurer called, told them the same, and told them I had provided full photos of every angle and the police report to my insurer, and the guy went "Well, yeah it sounds pretty clear so we'll get this handled."

Other insurer handled all the repairs plus a rental, went remarkably smoothly, and didn't cost me anything. Rate didn't go up either in the 2 years I still had that insurer (then I got married, got USAA, and never looked back LOL).

Had there been a counterclaim or issues, my insurer explained that if it was clear cut and I had 0% fault, the other driver would end up being liable for any work my insurer had to do, and I'd still have nothing. If I was partially at fault, then I could get hit up to my deductible. Never went there though.

 

[Instinctive]

Because how its been explained to me is that every time you get a "moving violation" (ticket) and/or accident that you uses a "claim" for your insurance company - your rates could go up.

Not my experience at all for this type situation.

Your insurance goes up if you are deemed to be riskier.

A moving violation indicates you violate traffic laws, which implies you are engaging in riskier behavior.

A claim for an accident in which you are somewhat at fault implies you are riskier than someone who doesn't cause accidents.

A claim for which the other party is entirely liable and your insurance doesn't end up paying anything to anyone generally doesn't raise your rates. Many places have some forms of consumer protection laws on this also. There are some exceptions - like if it keeps happening to you, eventually some conclusion of "ok you weren't ever at fault but sure seems like you're doing something differently" I think becomes allowed.

All this stuff can vary by state too.

 

[Gally]

A claim for which the other party is entirely liable and your insurance doesn't end up paying anything to anyone generally doesn't raise your rates.

Which was the type of situation I was referring to. I wasn't giving an example of a situation where I was at fault.

 

[STEADYMOBBIN 22]

I said the ideal situation. Ideally you call them, they fix your ****, thats it. Doesnt always go that smooth.

But why do you call them? That's what my insurance agent is for. I called my insurance agent, gave them the info for the other driver and they handled all the back and forth. Same as what Mrs R stated above as well. I have insurance in part so I don't have to do all the work. That's what I am paying for.

Because how its been explained to me is that every time you get a "moving violation" (ticket) and/or accident that you uses a "claim" for your insurance company - your rates could go up.

By making a simple phone call to the liable persons insurance, you avoid making a claim on your insurance.

We didn't make a claim on our insurance. We made a claim on THEIR insurance.

I understand exactly what you’re saying but you filed a claim with/through your insurance company.

Yes, your car insurance can go up even if the accidents aren’t your fault, though it depends on your state laws, your insurer’s policies, and your claim history.





Here’s a clear breakdown:





At-fault vs. not-at-fault accidents

• Insurers usually don’t surcharge for not-at-fault accidents directly, but frequent claims can still make you look like a higher risk to insure.
• Some insurers will forgive the first accident but may raise rates if you’re in multiple incidents, even if not your fault, especially if they have to pay out on your behalf (e.g., under collision or uninsured motorist coverage).

Claims frequency matters

• If you have multiple claims in a short period, insurers may increase your premium because statistically, frequent claims indicate a higher likelihood of future payouts.

State regulations vary

• Some states prohibit insurers from raising rates for not-at-fault accidents, while others allow it under certain conditions (for example, Massachusetts has protections, but other states do not).

 

[Instinctive]

A claim for which the other party is entirely liable and your insurance doesn't end up paying anything to anyone generally doesn't raise your rates.

Which was the type of situation I was referring to. I wasn't giving an example of a situation where I was at fault.

Yeah I was just adding a nice little framework. I know it's the internet but not every reply to a post is disagreement

 

[STEADYMOBBIN 22]

All I’m saying and you can think I’m wrong on this and that’s OK .

For me personally if it’s clearly the other person‘s fault I am 100% of the time going to deal with their insurance company directly so I can avoid my insurance finding out about an accident at all.

 

[Instinctive]

I said the ideal situation. Ideally you call them, they fix your ****, thats it. Doesnt always go that smooth.

But why do you call them? That's what my insurance agent is for. I called my insurance agent, gave them the info for the other driver and they handled all the back and forth. Same as what Mrs R stated above as well. I have insurance in part so I don't have to do all the work. That's what I am paying for.

Because how its been explained to me is that every time you get a "moving violation" (ticket) and/or accident that you uses a "claim" for your insurance company - your rates could go up.

By making a simple phone call to the liable persons insurance, you avoid making a claim on your insurance.

We didn't make a claim on our insurance. We made a claim on THEIR insurance.

I understand exactly what you’re saying but you filed a claim with/through your insurance company.

Yes, your car insurance can go up even if the accidents aren’t your fault, though it depends on your state laws, your insurer’s policies, and your claim history.





Here’s a clear breakdown:





At-fault vs. not-at-fault accidents

• Insurers usually don’t surcharge for not-at-fault accidents directly, but frequent claims can still make you look like a higher risk to insure.
• Some insurers will forgive the first accident but may raise rates if you’re in multiple incidents, even if not your fault, especially if they have to pay out on your behalf (e.g., under collision or uninsured motorist coverage).

Claims frequency matters

• If you have multiple claims in a short period, insurers may increase your premium because statistically, frequent claims indicate a higher likelihood of future payouts.

State regulations vary

• Some states prohibit insurers from raising rates for not-at-fault accidents, while others allow it under certain conditions (for example, Massachusetts has protections, but other states do not).

What makes you think that just because you didn't specifically file it with your insurer, they don't know it happened?

This is also a worse description of what I said above lol. Looks AI generated.

 

[Instinctive]

All I’m saying and you can think I’m wrong on this and that’s OK .

For me personally if it’s clearly the other person‘s fault I am 100% of the time going to deal with their insurance company directly so I can avoid my insurance finding out about an accident at all.

What makes you think that your insurer doesn't find out?

 

[STEADYMOBBIN 22]

I said the ideal situation. Ideally you call them, they fix your ****, thats it. Doesnt always go that smooth.

But why do you call them? That's what my insurance agent is for. I called my insurance agent, gave them the info for the other driver and they handled all the back and forth. Same as what Mrs R stated above as well. I have insurance in part so I don't have to do all the work. That's what I am paying for.

Because how its been explained to me is that every time you get a "moving violation" (ticket) and/or accident that you uses a "claim" for your insurance company - your rates could go up.

By making a simple phone call to the liable persons insurance, you avoid making a claim on your insurance.

We didn't make a claim on our insurance. We made a claim on THEIR insurance.

I understand exactly what you’re saying but you filed a claim with/through your insurance company.

Yes, your car insurance can go up even if the accidents aren’t your fault, though it depends on your state laws, your insurer’s policies, and your claim history.





Here’s a clear breakdown:





At-fault vs. not-at-fault accidents

• Insurers usually don’t surcharge for not-at-fault accidents directly, but frequent claims can still make you look like a higher risk to insure.
• Some insurers will forgive the first accident but may raise rates if you’re in multiple incidents, even if not your fault, especially if they have to pay out on your behalf (e.g., under collision or uninsured motorist coverage).

Claims frequency matters

• If you have multiple claims in a short period, insurers may increase your premium because statistically, frequent claims indicate a higher likelihood of future payouts.

State regulations vary

• Some states prohibit insurers from raising rates for not-at-fault accidents, while others allow it under certain conditions (for example, Massachusetts has protections, but other states do not).

What makes you think that just because you didn't specifically file it with your insurer, they don't know it happened?

This is also a worse description of what I said above lol. Looks AI generated.

The quoted part was clearly AI generated.

They may or may not find out, but I’m not gonna tattle on myself.

 

[Gally]

What makes you think that just because you didn't specifically file it with your insurer, they don't know it happened?

This is also a worse description of what I said above lol. Looks AI generated.

There is a decent chance the other party's insurance agent will contact your insurance agent about the accident. As some have said, insurance companies want to pay as little as possible so they likely will contact the other guy to tray and split things or at least feel it out.

 

[DA RAIDERS]

It will get reported

 

[Gatorade]

Since it's summer. It's time for the usual poor dressing at work...Usually by women, that requires an all company email from HR as a reminder. Come on guys, you're not home, you're not on the beach. Cover yourself a little better.

We had one young woman at work that got hurt and was out a while. Eventually they made her come in just to answer the phone. This office only got three or four phone calls a day. One day she wore PJs, several days she wore Daisy dukes. Most of the days she just laid out on a table or sat on it cross legged. She obviously did not want to be there. 95% of the people in and out of that office were male. Several complaints were made and she finally dressed a little better. Once she healed and came back to work, it was not long before she quit.

 

[Instinctive]

I said the ideal situation. Ideally you call them, they fix your ****, thats it. Doesnt always go that smooth.

But why do you call them? That's what my insurance agent is for. I called my insurance agent, gave them the info for the other driver and they handled all the back and forth. Same as what Mrs R stated above as well. I have insurance in part so I don't have to do all the work. That's what I am paying for.

Because how its been explained to me is that every time you get a "moving violation" (ticket) and/or accident that you uses a "claim" for your insurance company - your rates could go up.

By making a simple phone call to the liable persons insurance, you avoid making a claim on your insurance.

We didn't make a claim on our insurance. We made a claim on THEIR insurance.

I understand exactly what you’re saying but you filed a claim with/through your insurance company.

Yes, your car insurance can go up even if the accidents aren’t your fault, though it depends on your state laws, your insurer’s policies, and your claim history.





Here’s a clear breakdown:





At-fault vs. not-at-fault accidents

• Insurers usually don’t surcharge for not-at-fault accidents directly, but frequent claims can still make you look like a higher risk to insure.
• Some insurers will forgive the first accident but may raise rates if you’re in multiple incidents, even if not your fault, especially if they have to pay out on your behalf (e.g., under collision or uninsured motorist coverage).

Claims frequency matters

• If you have multiple claims in a short period, insurers may increase your premium because statistically, frequent claims indicate a higher likelihood of future payouts.

State regulations vary

• Some states prohibit insurers from raising rates for not-at-fault accidents, while others allow it under certain conditions (for example, Massachusetts has protections, but other states do not).

What makes you think that just because you didn't specifically file it with your insurer, they don't know it happened?

This is also a worse description of what I said above lol. Looks AI generated.

The quoted part was clearly AI generated.

They may or may not find out, but I’m not gonna tattle on myself.

I'm not so subtly pointing out that's a remarkably head in the sand, and pretty dumb, approach. They know. It's not may or may not, and it's not people "thinking" otherwise - they know. Period.

You're just making your own life more annoying going directly to the other party's insurer.

If you thought they may or may not know, fine. But now you know - the insurer definitely knows. Heck, CarFax knows. Your VIN has been in an incident. It is now a fact that is known and reported.

 

[STEADYMOBBIN 22]

I said the ideal situation. Ideally you call them, they fix your ****, thats it. Doesnt always go that smooth.

But why do you call them? That's what my insurance agent is for. I called my insurance agent, gave them the info for the other driver and they handled all the back and forth. Same as what Mrs R stated above as well. I have insurance in part so I don't have to do all the work. That's what I am paying for.

Because how its been explained to me is that every time you get a "moving violation" (ticket) and/or accident that you uses a "claim" for your insurance company - your rates could go up.

By making a simple phone call to the liable persons insurance, you avoid making a claim on your insurance.

We didn't make a claim on our insurance. We made a claim on THEIR insurance.

I understand exactly what you’re saying but you filed a claim with/through your insurance company.

Yes, your car insurance can go up even if the accidents aren’t your fault, though it depends on your state laws, your insurer’s policies, and your claim history.





Here’s a clear breakdown:





At-fault vs. not-at-fault accidents

• Insurers usually don’t surcharge for not-at-fault accidents directly, but frequent claims can still make you look like a higher risk to insure.
• Some insurers will forgive the first accident but may raise rates if you’re in multiple incidents, even if not your fault, especially if they have to pay out on your behalf (e.g., under collision or uninsured motorist coverage).

Claims frequency matters

• If you have multiple claims in a short period, insurers may increase your premium because statistically, frequent claims indicate a higher likelihood of future payouts.

State regulations vary

• Some states prohibit insurers from raising rates for not-at-fault accidents, while others allow it under certain conditions (for example, Massachusetts has protections, but other states do not).

What makes you think that just because you didn't specifically file it with your insurer, they don't know it happened?

This is also a worse description of what I said above lol. Looks AI generated.

The quoted part was clearly AI generated.

They may or may not find out, but I’m not gonna tattle on myself.

I'm not so subtly pointing out that's a remarkably head in the sand, and pretty dumb, approach. They know. It's not may or may not, and it's not people "thinking" otherwise - they know. Period.

You're just making your own life more annoying going directly to the other party's insurer.

If you thought they may or may not know, fine. But now you know - the insurer definitely knows. Heck, CarFax knows. Your VIN has been in an incident. It is now a fact that is known and reported.

I’m not making my life difficult at all. It’s a phone call. It’s literally almost exactly the same phone call. I would make to my insurance company except I give even less information.

If I go into my GEICO app where it lists all of my families, tickets, accidents, and claims. There are accidents listed there that were not my fault and I didn’t use a claim for.. there are accidents there that show that I used the claim. There are three accidents that don’t show up because I went directly through the liable parties insurance or they paid out-of-pocket..

You can call me dumb or my idea stupid but that’s got nothing to do with what we’re talking about

 

[Instinctive]

I said the ideal situation. Ideally you call them, they fix your ****, thats it. Doesnt always go that smooth.

But why do you call them? That's what my insurance agent is for. I called my insurance agent, gave them the info for the other driver and they handled all the back and forth. Same as what Mrs R stated above as well. I have insurance in part so I don't have to do all the work. That's what I am paying for.

Because how its been explained to me is that every time you get a "moving violation" (ticket) and/or accident that you uses a "claim" for your insurance company - your rates could go up.

By making a simple phone call to the liable persons insurance, you avoid making a claim on your insurance.

We didn't make a claim on our insurance. We made a claim on THEIR insurance.

I understand exactly what you’re saying but you filed a claim with/through your insurance company.

Yes, your car insurance can go up even if the accidents aren’t your fault, though it depends on your state laws, your insurer’s policies, and your claim history.





Here’s a clear breakdown:





At-fault vs. not-at-fault accidents

• Insurers usually don’t surcharge for not-at-fault accidents directly, but frequent claims can still make you look like a higher risk to insure.
• Some insurers will forgive the first accident but may raise rates if you’re in multiple incidents, even if not your fault, especially if they have to pay out on your behalf (e.g., under collision or uninsured motorist coverage).

Claims frequency matters

• If you have multiple claims in a short period, insurers may increase your premium because statistically, frequent claims indicate a higher likelihood of future payouts.

State regulations vary

• Some states prohibit insurers from raising rates for not-at-fault accidents, while others allow it under certain conditions (for example, Massachusetts has protections, but other states do not).

What makes you think that just because you didn't specifically file it with your insurer, they don't know it happened?

This is also a worse description of what I said above lol. Looks AI generated.

The quoted part was clearly AI generated.

They may or may not find out, but I’m not gonna tattle on myself.

I'm not so subtly pointing out that's a remarkably head in the sand, and pretty dumb, approach. They know. It's not may or may not, and it's not people "thinking" otherwise - they know. Period.

You're just making your own life more annoying going directly to the other party's insurer.

If you thought they may or may not know, fine. But now you know - the insurer definitely knows. Heck, CarFax knows. Your VIN has been in an incident. It is now a fact that is known and reported.

I’m not making my life difficult at all. It’s a phone call. It’s literally almost exactly the same phone call. I would make to my insurance company except I give even less information.

If I go into my GEICO app where it lists all of my families, tickets, accidents, and claims. There are accidents listed there that were not my fault and I didn’t use a claim for.. there are accidents there that show that I used the claim. There are three accidents that don’t show up because I went directly through the liable parties insurance or they paid out-of-pocket..

You can call me dumb or my idea stupid but that’s got nothing to do with what we’re talking about

Let's be very clear - I did not call you dumb. I don't want that to be the takeaway.

I consider myself to be fairly brilliant. Earlier I just stepped on a bench to reach for a box in a cabinet and leaned over to get it with one hand, the box was heavier than I thought, it fell, and I dropped it. That was dumb. It was a dumb thing to not go get the ladder. Period. Indisputable. It does not make me dumb, and recognizing how dumb the action was doesn't imply that I am dumb. Nobody called you dumb. Or, at the very least, I did not.

(ETA: and "it doesn't show up in my insurer's app" being equated with "they don't know" is also a funny way to justify it. FWIW my wife worked on a DARPA AI project with a group of insurers, including GEICO funnily enough, so I'm not actually guessing here. I know, factually, how they know and that they know.)

Your annoyance is up to you, fair. You do you.

 

[STEADYMOBBIN 22]

I said the ideal situation. Ideally you call them, they fix your ****, thats it. Doesnt always go that smooth.

But why do you call them? That's what my insurance agent is for. I called my insurance agent, gave them the info for the other driver and they handled all the back and forth. Same as what Mrs R stated above as well. I have insurance in part so I don't have to do all the work. That's what I am paying for.

Because how its been explained to me is that every time you get a "moving violation" (ticket) and/or accident that you uses a "claim" for your insurance company - your rates could go up.

By making a simple phone call to the liable persons insurance, you avoid making a claim on your insurance.

We didn't make a claim on our insurance. We made a claim on THEIR insurance.

I understand exactly what you’re saying but you filed a claim with/through your insurance company.

Yes, your car insurance can go up even if the accidents aren’t your fault, though it depends on your state laws, your insurer’s policies, and your claim history.





Here’s a clear breakdown:





At-fault vs. not-at-fault accidents

• Insurers usually don’t surcharge for not-at-fault accidents directly, but frequent claims can still make you look like a higher risk to insure.
• Some insurers will forgive the first accident but may raise rates if you’re in multiple incidents, even if not your fault, especially if they have to pay out on your behalf (e.g., under collision or uninsured motorist coverage).

Claims frequency matters

• If you have multiple claims in a short period, insurers may increase your premium because statistically, frequent claims indicate a higher likelihood of future payouts.

State regulations vary

• Some states prohibit insurers from raising rates for not-at-fault accidents, while others allow it under certain conditions (for example, Massachusetts has protections, but other states do not).

What makes you think that just because you didn't specifically file it with your insurer, they don't know it happened?

This is also a worse description of what I said above lol. Looks AI generated.

The quoted part was clearly AI generated.

They may or may not find out, but I’m not gonna tattle on myself.

I'm not so subtly pointing out that's a remarkably head in the sand, and pretty dumb, approach. They know. It's not may or may not, and it's not people "thinking" otherwise - they know. Period.

You're just making your own life more annoying going directly to the other party's insurer.

If you thought they may or may not know, fine. But now you know - the insurer definitely knows. Heck, CarFax knows. Your VIN has been in an incident. It is now a fact that is known and reported.

I’m not making my life difficult at all. It’s a phone call. It’s literally almost exactly the same phone call. I would make to my insurance company except I give even less information.

If I go into my GEICO app where it lists all of my families, tickets, accidents, and claims. There are accidents listed there that were not my fault and I didn’t use a claim for.. there are accidents there that show that I used the claim. There are three accidents that don’t show up because I went directly through the liable parties insurance or they paid out-of-pocket..

You can call me dumb or my idea stupid but that’s got nothing to do with what we’re talking about

Let's be very clear - I did not call you dumb. I don't want that to be the takeaway.

I consider myself to be fairly brilliant. Earlier I just stepped on a bench to reach for a box in a cabinet and leaned over to get it with one hand, the box was heavier than I thought, it fell, and I dropped it. That was dumb. It was a dumb thing to not go get the ladder. Period. Indisputable. It does not make me dumb, and recognizing how dumb the action was doesn't imply that I am dumb. Nobody called you dumb. Or, at the very least, I did not.

(ETA: and "it doesn't show up in my insurer's app" being equated with "they don't know" is also a funny way to justify it. FWIW my wife worked on a DARPA AI project with a group of insurers, including GEICO funnily enough, so I'm not actually guessing here. I know, factually, how they know and that they know.)

Your annoyance is up to you, fair. You do you.

I think we both share the same carefree attitude. I ain’t mad at cha or thinking about that

I’m just going off of my experience and maybe I’m wrong and misremember which is all certainly true

 

[Drunken knight]

People............or more specific bad / irrepsonsible / people.

Son just called while I was being updated on this thread.

Wreck on the way home from work in a semi residential / wooded country area.

2 lane road and a young girl (late 20's in an old beat up ford taurus) was passing people coming around a corner at a high speed for the area (say 50mph). Son didn't see her until it was to late (curve and trees) and slammed on his breaks. She creams his drivers side front corner spinning him, and then of course he gets hit from behind, and that person gets hit from behind...................then the girl takes off on down the road at a very high speed.

LUCKILY 3 motorcyclists were at the back of the 7-8 train of cars she was passing, and 1 stopped, and the 2 other and a few cars chased her down and caught her in traffic / traffic light about a mile down the road. Son and 2 other people in wreck were ok (most important part of whole story) and cars were "drivable".

Motorcyle #1 guy got a call from his buddies that they had the bad driver in a target parking, and the whole crew (all 3 wrecked cars and the #1 guy) proceed down the road. Police are on the way, and the girls is claiming "I didn't hit anyone". Son got her license plate and a picture of her car boxed in in a the parking lot.

1 - Car just got out of the shop on Monday and had 3K worth of work on it (BMW taxes I call it) so that it would last for another year or so.

2 - Same exact car / son that was hit by a local "rapper" with a shady instagram 3 years ago, and they shared insurance information and addresses (was not exactly fond of a guy that poses in pictures w/ loads of $ and guns having my address). Told him the car is cursed.

3 - If this car is totaled, I guess I'll just be out the 3K. SMH.

4 - Again, all is this is minor to the fact that no one was hurt. Son said it could have been really bad if hit happened about 10 seconds earlier when she had no where to go back to her lane.

I'll update when I get more info.

Ok, so we are a little over 3+ weeks since the accident. Son called insurance company (Excellent Insurance............I can't make this up) that night and left a message since their office was closed for the weekend. He received no call back on Monday.

He called on Tuesday (6/10) and finally got ahold of someone who took his statement and asked him to send pictures of the damage which he did that night. A week goes by and he hears nothing so he calls them back on 6/17. Voicemail. Leaves a message. No one calls back.

Calls back on 6/18 and 19. Finally gets his claims processer on the afternoon of the 19th who proceeds to ask him to send in pics of damage to car. He says "I already did". Reply of "well we didn't get them", so son says "I'm emailing them right now, please confirm that you've received them". Gets that confirmation, and is told it will be a week or so, but "we'll be in touch".

He has heard nothing since then so he tries calling today and is told "your processer is out of the office today and tomorrow" and is asked to leave a voicemail. How he didn't go MOP on them I'll never know.

After he tells me this I do some research. There are 3 insurance "companies" that have the same number to call for claims on the internet...............and guess what kind of reviews all of them have????? Basically a company for troubled drivers that can't get insurance anywhere else, and they scam them, and make getting a claim processed a nightmare while nickel and diming you.

Other info..........we were on GEICO at the time of the accident, but have moved / bundled w/ Travelers.

Do we call GEICO, and let them handle it? Do we hire an attorney, but that seems silly, since GEICO should handle this for us, right?

Thanks in advance!!!!!!

I don't understand. If you were using GEICO at the time of the accident, why did you call someone else?

He called the insurance company of the person who hit him.

That should have been handled by your insurance company. Typically you let you insurance company handle the back and forth as that is what you pay them for. When my daughter had a similar situation (hit from behind and the person took off - daughter was able to get license plate and call 911 to report the driver and the cops got her about 5 miles down the road) we contacted our insurance and they took all the insurance info from the other person and handled everything.

Yes/No.


Calling your insurance for an accident that isnt your fault lets your insurance know that you and the vehicle they insure was involved in an accident. Costs you your deductible. So its a "claim". If you think your insurance company is going to do anything more than protect THEMSELVES from you and or just make the same exact call you can to the other insurance company you are mistaken.

Ideally you contact their insurance company, take your car to get fixed and they pay for everything. This works as long as its clearly their fault and they have paid their insurance. Its the ideal solution and correct way to handle it.


In this case and a recent accident I had where an unlicensed, uninsured driver rear ended me while I was competently stopped - his fault but I had to file a claim though mine because he dindt have any. If he had insurance, I would have simply called them and taken my car to the shop.

when someone ran a stop sign and totaled mrs car a couple years ago, once all reports were in, we were able to retrieve the initial deductible.

the other party used to be in insurance and provided false claims. police did a nice job collecting facts and information.

 

[coopersdad]

Update to the insurance saga based upon me paraphrasing from my conversation w/ my son earlier this evening.

Son called the agency this morning. Left a voice mail. Called again a couple hours later. Finally got to the agent.

Asked her for an update on the claim...........agent says "per our policy our customer has 14 days to report the accident". He says........"the accident was on the 6th, I reported it on the 9th so 6+14=20th, which was 11 days ago". She replies "yes, but you didn't report the accident until the 9th", and he says "ok 9+14=23rd, or 8 days ago". MATH <> MATH. She argues and says that is not right and that the customer has until this Thursday to contact them, and HANGS UP on my son.

Now he is MAD. He calls back and she answers..............and he askes for her supervisor.

Gets to her supervisor after a 15 minute wait (guess they thought he might give up and hang up), and he speaks w/ her for 15 minutes and she explains the process. 1-yes the girl is late calling the accident in but they are giving her until 7/3, 2- after that the next step is to move the claim to "REVIEW" where several adjusters review the facts (including police reports, pictures, and my son's statement), and then she says 3) more than likely if the customer does not call, it will go as an uninsured motorist and you'll need to claim on your insurance.

My son says "BUT SHE HAS INSURANCE W/ YOUR COMPANY" to which the supervisor says "but she has not called us to contact us, or replied to emails, and if you can get her to call us that would be great"..........and she gives my son her direct line.

He asks what if his car was undrivable and needed a rental. She said that he would need to go through his insurance and pay upfront, and then if/when the fault was determined eventually he would get reimbursed.

Conversation ends..............so my son texts the girl, and explains the issue and asks why she has not called the insurance company. The girl sends him screenshots of her outgoing calls on her phone for the last 15 days and shows that she's made at least 10 calls to the same number that my son had............now whether she got ahold of someone, or just called and got voicemal, or called and left a message, who knows. She also showed him that she received an email from the company, and shows a response back to the email address saying the "link didn't work" to fill out some information.

Son gives her the direct line of the supervisor, and she says that she will call tomorrow on her day off (as this was after 5pm and the office was closed).

I'll update this tomorrow or as details warrant.

I did contact my new car insurance agent..............and when I asked if she knew about this agency, her answer was not fit for print on a public page.

 

[Cowboysfan8]

Update to the insurance saga based upon me paraphrasing from my conversation w/ my son earlier this evening.

Son called the agency this morning. Left a voice mail. Called again a couple hours later. Finally got to the agent.

Asked her for an update on the claim...........agent says "per our policy our customer has 14 days to report the accident". He says........"the accident was on the 6th, I reported it on the 9th so 6+14=20th, which was 11 days ago". She replies "yes, but you didn't report the accident until the 9th", and he says "ok 9+14=23rd, or 8 days ago". MATH <> MATH. She argues and says that is not right and that the customer has until this Thursday to contact them, and HANGS UP on my son.

Now he is MAD. He calls back and she answers..............and he askes for her supervisor.

Gets to her supervisor after a 15 minute wait (guess they thought he might give up and hang up), and he speaks w/ her for 15 minutes and she explains the process. 1-yes the girl is late calling the accident in but they are giving her until 7/3, 2- after that the next step is to move the claim to "REVIEW" where several adjusters review the facts (including police reports, pictures, and my son's statement), and then she says 3) more than likely if the customer does not call, it will go as an uninsured motorist and you'll need to claim on your insurance.

My son says "BUT SHE HAS INSURANCE W/ YOUR COMPANY" to which the supervisor says "but she has not called us to contact us, or replied to emails, and if you can get her to call us that would be great"..........and she gives my son her direct line.

He asks what if his car was undrivable and needed a rental. She said that he would need to go through his insurance and pay upfront, and then if/when the fault was determined eventually he would get reimbursed.

Conversation ends..............so my son texts the girl, and explains the issue and asks why she has not called the insurance company. The girl sends him screenshots of her outgoing calls on her phone for the last 15 days and shows that she's made at least 10 calls to the same number that my son had............now whether she got ahold of someone, or just called and got voicemal, or called and left a message, who knows. She also showed him that she received an email from the company, and shows a response back to the email address saying the "link didn't work" to fill out some information.

Son gives her the direct line of the supervisor, and she says that she will call tomorrow on her day off (as this was after 5pm and the office was closed).

I'll update this tomorrow or as details warrant.

I did contact my new car insurance agent..............and when I asked if she knew about this agency, her answer was not fit for print on a public page.

Is this Geico?

 

[Gally]

3) more than likely if the customer does not call, it will go as an uninsured motorist and you'll need to claim on your insurance.

So basically this is saying if you get in an accident that is your fault then just don't call your insurance company and they will ignore it and force the other guy's insurance to pay for the damages and they do nothing. So essentially this company is an insurance company by name only to allow someone to drive legally without ever paying out on anything by saying the person with that insurance never called anything in.

Seems like there ought to be something that can be done about this legally. This is just incorrect on so many levels.

 

[coopersdad]

Update to the insurance saga based upon me paraphrasing from my conversation w/ my son earlier this evening.

Son called the agency this morning. Left a voice mail. Called again a couple hours later. Finally got to the agent.

Asked her for an update on the claim...........agent says "per our policy our customer has 14 days to report the accident". He says........"the accident was on the 6th, I reported it on the 9th so 6+14=20th, which was 11 days ago". She replies "yes, but you didn't report the accident until the 9th", and he says "ok 9+14=23rd, or 8 days ago". MATH <> MATH. She argues and says that is not right and that the customer has until this Thursday to contact them, and HANGS UP on my son.

Now he is MAD. He calls back and she answers..............and he askes for her supervisor.

Gets to her supervisor after a 15 minute wait (guess they thought he might give up and hang up), and he speaks w/ her for 15 minutes and she explains the process. 1-yes the girl is late calling the accident in but they are giving her until 7/3, 2- after that the next step is to move the claim to "REVIEW" where several adjusters review the facts (including police reports, pictures, and my son's statement), and then she says 3) more than likely if the customer does not call, it will go as an uninsured motorist and you'll need to claim on your insurance.

My son says "BUT SHE HAS INSURANCE W/ YOUR COMPANY" to which the supervisor says "but she has not called us to contact us, or replied to emails, and if you can get her to call us that would be great"..........and she gives my son her direct line.

He asks what if his car was undrivable and needed a rental. She said that he would need to go through his insurance and pay upfront, and then if/when the fault was determined eventually he would get reimbursed.

Conversation ends..............so my son texts the girl, and explains the issue and asks why she has not called the insurance company. The girl sends him screenshots of her outgoing calls on her phone for the last 15 days and shows that she's made at least 10 calls to the same number that my son had............now whether she got ahold of someone, or just called and got voicemal, or called and left a message, who knows. She also showed him that she received an email from the company, and shows a response back to the email address saying the "link didn't work" to fill out some information.

Son gives her the direct line of the supervisor, and she says that she will call tomorrow on her day off (as this was after 5pm and the office was closed).

I'll update this tomorrow or as details warrant.

I did contact my new car insurance agent..............and when I asked if she knew about this agency, her answer was not fit for print on a public page.

Is this Geico?

No the company that he is dealing w/ is called "Excellent Insurance". We have Geico (or "had" Geico before we bundled to Travelers).

Will be an update later today. Evidently the supervisor got ahold of the girl this morning.

 

[coopersdad]

3) more than likely if the customer does not call, it will go as an uninsured motorist and you'll need to claim on your insurance.

So basically this is saying if you get in an accident that is your fault then just don't call your insurance company and they will ignore it and force the other guy's insurance to pay for the damages and they do nothing. So essentially this company is an insurance company by name only to allow someone to drive legally without ever paying out on anything by saying the person with that insurance never called anything in.

Seems like there ought to be something that can be done about this legally. This is just incorrect on so many levels.

Yes, that is what it sounds like, and that is what review online seem to portend. Will update this evening.

 

[kupcho1]

My pet peeve is people turning this previously entertaining thread into an insurance thread.

 

[BeTheMatch]

My pet peeve is people turning this previously entertaining thread into an insurance thread.

What if insurance companies charged a 3% transaction fee for backing into parking spots and talking to them via speakerphone in an airport?

 

[Mrs. Rannous]

My pet peeve is people turning this previously entertaining thread into an insurance thread.

What if insurance companies charged a 3% transaction fee for backing into parking spots and talking to them via speakerphone in an airport?

I think they also have to microwave popcorn and fish in the break room.

 

[Uruk-Hai]

I consider myself to be fairly brilliant.

Good Lord

You need to get over yourself, young man. Trotting statements out like this is not the way to prove your brilliance.

 

[Instinctive]

I consider myself to be fairly brilliant.

Good Lord

You need to get over yourself, young man. Trotting statements out like this is not the way to prove your brilliance.

I think you missed the point of the post old fella

 

[belljr]

How the hell do you walk through a cobweb in the middle of an open sidewalk

 

[fatness]

Will be an update later today. Evidently the supervisor got ahold of the girl this morning.

It's not like we're anxiously awaiting the update or anything.....

 

[Mrs. Rannous]

How the hell do you walk through a cobweb in the middle of an open sidewalk

My friend was terrified of spiders. I would walk down the path in the woods, no problem, She would be right behind me and find tons of webs.

They know.

 

[Mister CIA]

Project manager email signatures filled with flair. It impresses no one.

 

[coopersdad]

Will be an update later today. Evidently the supervisor got ahold of the girl this morning.

It's not like we're anxiously awaiting the update or anything.....

Son was called late yesterday afternoon by the supervisor.

Girl gave the same story that supported police report, so they are going to take responsibility for the accident.

Said it would be put before their decision team / analyst next week and that they'd get a check ready for him and they would be in contact........................they were going to base the check on the pictures he sent in (which based on research, I'm understanding is becoming more prevalent, but also leads to "supplemental" adjustment to the claim, and haggling).

I told him "no, you're going to a couple reputable collision centers and getting a couple of estimates" to verify their "estimate".

I also told him that they need to set him up w/ a rental on their account................for the whole time that the car is in the shop. We are not going to be out the cash and seeking reimbursement.

 

[Cowboysfan8]

Insurance companies are the devil

 

[STEADYMOBBIN 22]

To all drivers everywhere…
GTFO of my way. DRIIIIIIVE!!!!!

Also, I get it. We’re all going to look at our phones during a red light. It’s possible to look at your phone during a red light and putting down as soon as it turns green so you can…..everyone say it with me…..DRIIIIIIIIIIIIVEEEE!!!!!!!! GOOOOOOOOOO MUTHA F’er!!!!!!!!

 

[arrow1]

To all drivers everywhere…
GTFO of my way. DRIIIIIIVE!!!!!

Also, I get it. We’re all going to look at our phones during a red light. It’s possible to look at your phone during a red light and putting down as soon as it turns green so you can…..everyone say it with me…..DRIIIIIIIIIIIIVEEEE!!!!!!!! GOOOOOOOOOO MUTHA F’er!!!!!!!!

Hands-free law went into effect in my state July 1st. Doubt it changes anything.

 

[dino259]

To all drivers everywhere…
GTFO of my way. DRIIIIIIVE!!!!!

Also, I get it. We’re all going to look at our phones during a red light. It’s possible to look at your phone during a red light and putting down as soon as it turns green so you can…..everyone say it with me…..DRIIIIIIIIIIIIVEEEE!!!!!!!! GOOOOOOOOOO MUTHA F’er!!!!!!!!

Also, I am not honking at the car directly in front of me. I am honking at the car 6 ahead that is holding up our entire line.

 

[ProstheticRGK]

10:20 Dr appointment

Now 11 am still sitting here. Think about leaving if I didn't already give my copay

9:30 appt, still sitting the waiting room, rn. Ofc, I showed up early, as requested, to fill out the paperwork.

 

[El Floppo]

United States vs The World In any kind of all star game or athletic event.

The egos we have here makes me puke.

I'm a month late to this, but...

I mind it less than US sports teams winning their league and proclaiming themselves "world champs"... including the "world series".

 

[Ministry of Pain]

This one is for @Instinctive and others a few pages back, maybe a couple months they were railing about all the tipping so I wanted to share

-I go to order a rather high end iPhone case for around $80-$100, I'm sure if some one posts the name it will ring a bell. I go to checkout online and put in all my information when suddenly I am prompted to "show my support for the team" that is putting my little package together, basically the shipping clerk because I haven't spoken to a single person from the company
It was like $5-$10 they wanted me to throw on top like a tip, this took off during the pandemic when everyone was suddenly a front line worker. I was stunned they would even suggest for me to do such a thing

-I hit cancel or opted not to go thru with the order and decided to just buy one of these https://www.amazon.com/dp/B0DGFPC2GR/ref=twister_B0DGKKRWBG?_encoding=UTF8&th=1 for about $30 instead, wood look with a rosy faded American flag on the back and get more compliments on it than I would have expected.

I just felt icky when they prompted me for more money on a product that was pretty expensive to begin with
Ryan London was the name come to think of it

-They make you feel like these folks are just working for pennies in a sweat shop which might not be far off the truth but I think all of that should be included into whatever price I pay

 

[Terminalxylem]

To all drivers everywhere…
GTFO of my way. DRIIIIIIVE!!!!!

Also, I get it. We’re all going to look at our phones during a red light. It’s possible to look at your phone during a red light and putting down as soon as it turns green so you can…..everyone say it with me…..DRIIIIIIIIIIIIVEEEE!!!!!!!! GOOOOOOOOOO MUTHA F’er!!!!!!!!

I’m with your sentiment, but am working hard to be more patient as well.

Really, really looking forward to autonomous vehicles taking over the roads.

 

[Mrs. Rannous]

Really, really looking forward to autonomous vehicles taking over the roads.

Looking for a new peeve category, are you?

 

[Instinctive]

This one is for @Instinctive and others a few pages back, maybe a couple months they were railing about all the tipping so I wanted to share

-I go to order a rather high end iPhone case for around $80-$100, I'm sure if some one posts the name it will ring a bell. I go to checkout online and put in all my information when suddenly I am prompted to "show my support for the team" that is putting my little package together, basically the shipping clerk because I haven't spoken to a single person from the company
It was like $5-$10 they wanted me to throw on top like a tip, this took off during the pandemic when everyone was suddenly a front line worker. I was stunned they would even suggest for me to do such a thing

-I hit cancel or opted not to go thru with the order and decided to just buy one of these https://www.amazon.com/dp/B0DGFPC2GR/ref=twister_B0DGKKRWBG?_encoding=UTF8&th=1 for about $30 instead, wood look with a rosy faded American flag on the back and get more compliments on it than I would have expected.

I just felt icky when they prompted me for more money on a product that was pretty expensive to begin with
Ryan London was the name come to think of it

-They make you feel like these folks are just working for pennies in a sweat shop which might not be far off the truth but I think all of that should be included into whatever price I pay

Idk how I feel that my brand may be "the guy who generally thinks tipping is overdone..." but I think maybe I love it xD

 

[Terminalxylem]

Really, really looking forward to autonomous vehicles taking over the roads.

Looking for a new peeve category, are you?

Gladly trade a dozen driving peeves for complaints about automata.

Surely they’ll be more efficient, and less angry.

 

[Mrs. Rannous]

Really, really looking forward to autonomous vehicles taking over the roads.

Looking for a new peeve category, are you?

Gladly trade a dozen driving peeves for complaints about automata.

Surely they’ll be more efficient, and less angry.

Maybe the second. Not necessarily the first.

 

[Ministry of Pain]

This one is for @Instinctive and others a few pages back, maybe a couple months they were railing about all the tipping so I wanted to share

-I go to order a rather high end iPhone case for around $80-$100, I'm sure if some one posts the name it will ring a bell. I go to checkout online and put in all my information when suddenly I am prompted to "show my support for the team" that is putting my little package together, basically the shipping clerk because I haven't spoken to a single person from the company
It was like $5-$10 they wanted me to throw on top like a tip, this took off during the pandemic when everyone was suddenly a front line worker. I was stunned they would even suggest for me to do such a thing

-I hit cancel or opted not to go thru with the order and decided to just buy one of these https://www.amazon.com/dp/B0DGFPC2GR/ref=twister_B0DGKKRWBG?_encoding=UTF8&th=1 for about $30 instead, wood look with a rosy faded American flag on the back and get more compliments on it than I would have expected.

I just felt icky when they prompted me for more money on a product that was pretty expensive to begin with
Ryan London was the name come to think of it

-They make you feel like these folks are just working for pennies in a sweat shop which might not be far off the truth but I think all of that should be included into whatever price I pay

Idk how I feel that my brand may be "the guy who generally thinks tipping is overdone..." but I think maybe I love it xD

This wasn't a dining experience or take out food or...I have had men working extremely hard on my house over the last month, I personally handed most of the workers operating under the contractor's license, I tipped almost all of them cash out of my pocket when they completed different parts of the renovation, this was above what they were getting paid, it felt right

But asking me to throw in extra money to an online order that involved no humans through the entire process just felt cheap and unprofessional by the company, I exercised my right to stop the order immediately and I never followed up with the company, why waste my time? They clearly show where they side and it's not with the consumer so I pushed off and bought off Amazon

I believe in tipping, I do it often but not for what i was trying to buy online

 

[Terminalxylem]

Really, really looking forward to autonomous vehicles taking over the roads.

Looking for a new peeve category, are you?

Gladly trade a dozen driving peeves for complaints about automata.

Surely they’ll be more efficient, and less angry.

Maybe the second. Not necessarily the first.

Is there anything humans can do more efficiently than modern computers?

Most highway traffic is caused by unnecessary braking, which is a consequence of tailgating, rapid lane changes, over-reaction, and rubbernecking. Autonomous drivers won’t be susceptible to any of those phenomena, nor distracted driving.

 

[Instinctive]

This one is for @Instinctive and others a few pages back, maybe a couple months they were railing about all the tipping so I wanted to share

-I go to order a rather high end iPhone case for around $80-$100, I'm sure if some one posts the name it will ring a bell. I go to checkout online and put in all my information when suddenly I am prompted to "show my support for the team" that is putting my little package together, basically the shipping clerk because I haven't spoken to a single person from the company
It was like $5-$10 they wanted me to throw on top like a tip, this took off during the pandemic when everyone was suddenly a front line worker. I was stunned they would even suggest for me to do such a thing

-I hit cancel or opted not to go thru with the order and decided to just buy one of these https://www.amazon.com/dp/B0DGFPC2GR/ref=twister_B0DGKKRWBG?_encoding=UTF8&th=1 for about $30 instead, wood look with a rosy faded American flag on the back and get more compliments on it than I would have expected.

I just felt icky when they prompted me for more money on a product that was pretty expensive to begin with
Ryan London was the name come to think of it

-They make you feel like these folks are just working for pennies in a sweat shop which might not be far off the truth but I think all of that should be included into whatever price I pay

Idk how I feel that my brand may be "the guy who generally thinks tipping is overdone..." but I think maybe I love it xD

This wasn't a dining experience or take out food or...I have had men working extremely hard on my house over the last month, I personally handed most of the workers operating under the contractor's license, I tipped almost all of them cash out of my pocket when they completed different parts of the renovation, this was above what they were getting paid, it felt right

But asking me to throw in extra money to an online order that involved no humans through the entire process just felt cheap and unprofessional by the company, I exercised my right to stop the order immediately and I never followed up with the company, why waste my time? They clearly show where they side and it's not with the consumer so I pushed off and bought off Amazon

I believe in tipping, I do it often but not for what i was trying to buy online

For the record, my stance is:

1. if it's just the expected standard, it doesn't accomplish anything. Tipping is for excellent service. So just making it normal everywhere is moronic.

2. Tips for just doing the freaking job are total crap. Tipping takeout food, a delivery driver, etc...like I paid you for delivery. Just price it correctly. Or...your job is to make the food. I paid you to make it. Price it correctly.

3. Even tipping for caddies annoys the **** out of me. Like...if the "standard tip is $80 here" then just pay your ****ing caddies $80 more/round, charge me for it, and then at the end if my caddy was awesome I can add more on top. If the caddy literally did their job, carried the bags, and was kind, I don't see how that's above and beyond. Now, say the guy is funny, is giving great reads, sharing good course knowledge, etc...making the experience great - that deserves a tip! Anything else like this - say, valet parking - if I just had to wait and you brought the car and my mirrors have been moved or my seat has been moved, that's not above and beyond. That's doing the bare minimum job of valet parking a car. Or an uber driver - if it takes the same estimated time or longer, idk why I'd tip you. If you were willing to do some sort of driving I would do personally but is probably a bit aggressive, but saved me time, that's worthy of a tip.

4. At any repeat interaction, I'm WAY more likely to tip and not be that annoyed. Anyone working at a hotel I stay in 50+ nights/year. Anyone at a CC you frequent. Bartender at the place you're a regular. All inclusive resort on day 1, and again on your last day. Etc.

5. Doing a great job of providing service (like your example above) is exactly what tipping is for. Rewarding outstanding service. Period. That is tipping in its purest form.

 

[BeTheMatch]

This one is for @Instinctive and others a few pages back, maybe a couple months they were railing about all the tipping so I wanted to share

-I go to order a rather high end iPhone case for around $80-$100, I'm sure if some one posts the name it will ring a bell. I go to checkout online and put in all my information when suddenly I am prompted to "show my support for the team" that is putting my little package together, basically the shipping clerk because I haven't spoken to a single person from the company
It was like $5-$10 they wanted me to throw on top like a tip, this took off during the pandemic when everyone was suddenly a front line worker. I was stunned they would even suggest for me to do such a thing

-I hit cancel or opted not to go thru with the order and decided to just buy one of these https://www.amazon.com/dp/B0DGFPC2GR/ref=twister_B0DGKKRWBG?_encoding=UTF8&th=1 for about $30 instead, wood look with a rosy faded American flag on the back and get more compliments on it than I would have expected.

I just felt icky when they prompted me for more money on a product that was pretty expensive to begin with
Ryan London was the name come to think of it

-They make you feel like these folks are just working for pennies in a sweat shop which might not be far off the truth but I think all of that should be included into whatever price I pay

Idk how I feel that my brand may be "the guy who generally thinks tipping is overdone..." but I think maybe I love it xD

This wasn't a dining experience or take out food or...I have had men working extremely hard on my house over the last month, I personally handed most of the workers operating under the contractor's license, I tipped almost all of them cash out of my pocket when they completed different parts of the renovation, this was above what they were getting paid, it felt right

But asking me to throw in extra money to an online order that involved no humans through the entire process just felt cheap and unprofessional by the company, I exercised my right to stop the order immediately and I never followed up with the company, why waste my time? They clearly show where they side and it's not with the consumer so I pushed off and bought off Amazon

I believe in tipping, I do it often but not for what i was trying to buy online

For the record, my stance is:

1. if it's just the expected standard, it doesn't accomplish anything. Tipping is for excellent service. So just making it normal everywhere is moronic.

2. Tips for just doing the freaking job are total crap. Tipping takeout food, a delivery driver, etc...like I paid you for delivery. Just price it correctly. Or...your job is to make the food. I paid you to make it. Price it correctly.

3. Even tipping for caddies annoys the **** out of me. Like...if the "standard tip is $80 here" then just pay your ****ing caddies $80 more/round, charge me for it, and then at the end if my caddy was awesome I can add more on top. If the caddy literally did their job, carried the bags, and was kind, I don't see how that's above and beyond. Now, say the guy is funny, is giving great reads, sharing good course knowledge, etc...making the experience great - that deserves a tip! Anything else like this - say, valet parking - if I just had to wait and you brought the car and my mirrors have been moved or my seat has been moved, that's not above and beyond. That's doing the bare minimum job of valet parking a car. Or an uber driver - if it takes the same estimated time or longer, idk why I'd tip you. If you were willing to do some sort of driving I would do personally but is probably a bit aggressive, but saved me time, that's worthy of a tip.

4. At any repeat interaction, I'm WAY more likely to tip and not be that annoyed. Anyone working at a hotel I stay in 50+ nights/year. Anyone at a CC you frequent. Bartender at the place you're a regular. All inclusive resort on day 1, and again on your last day. Etc.

5. Doing a great job of providing service (like your example above) is exactly what tipping is for. Rewarding outstanding service. Period. That is tipping in its purest form.

I agree with you. But companies won't do this because then they have to pay payroll taxes on the extra wages. They just keep shifting it to us.

 

[ChiefD]

This one is for @Instinctive and others a few pages back, maybe a couple months they were railing about all the tipping so I wanted to share

-I go to order a rather high end iPhone case for around $80-$100, I'm sure if some one posts the name it will ring a bell. I go to checkout online and put in all my information when suddenly I am prompted to "show my support for the team" that is putting my little package together, basically the shipping clerk because I haven't spoken to a single person from the company
It was like $5-$10 they wanted me to throw on top like a tip, this took off during the pandemic when everyone was suddenly a front line worker. I was stunned they would even suggest for me to do such a thing

-I hit cancel or opted not to go thru with the order and decided to just buy one of these https://www.amazon.com/dp/B0DGFPC2GR/ref=twister_B0DGKKRWBG?_encoding=UTF8&th=1 for about $30 instead, wood look with a rosy faded American flag on the back and get more compliments on it than I would have expected.

I just felt icky when they prompted me for more money on a product that was pretty expensive to begin with
Ryan London was the name come to think of it

-They make you feel like these folks are just working for pennies in a sweat shop which might not be far off the truth but I think all of that should be included into whatever price I pay

Idk how I feel that my brand may be "the guy who generally thinks tipping is overdone..." but I think maybe I love it xD

This wasn't a dining experience or take out food or...I have had men working extremely hard on my house over the last month, I personally handed most of the workers operating under the contractor's license, I tipped almost all of them cash out of my pocket when they completed different parts of the renovation, this was above what they were getting paid, it felt right

But asking me to throw in extra money to an online order that involved no humans through the entire process just felt cheap and unprofessional by the company, I exercised my right to stop the order immediately and I never followed up with the company, why waste my time? They clearly show where they side and it's not with the consumer so I pushed off and bought off Amazon

I believe in tipping, I do it often but not for what i was trying to buy online

For the record, my stance is:

1. if it's just the expected standard, it doesn't accomplish anything. Tipping is for excellent service. So just making it normal everywhere is moronic.

2. Tips for just doing the freaking job are total crap. Tipping takeout food, a delivery driver, etc...like I paid you for delivery. Just price it correctly. Or...your job is to make the food. I paid you to make it. Price it correctly.

3. Even tipping for caddies annoys the **** out of me. Like...if the "standard tip is $80 here" then just pay your ****ing caddies $80 more/round, charge me for it, and then at the end if my caddy was awesome I can add more on top. If the caddy literally did their job, carried the bags, and was kind, I don't see how that's above and beyond. Now, say the guy is funny, is giving great reads, sharing good course knowledge, etc...making the experience great - that deserves a tip! Anything else like this - say, valet parking - if I just had to wait and you brought the car and my mirrors have been moved or my seat has been moved, that's not above and beyond. That's doing the bare minimum job of valet parking a car. Or an uber driver - if it takes the same estimated time or longer, idk why I'd tip you. If you were willing to do some sort of driving I would do personally but is probably a bit aggressive, but saved me time, that's worthy of a tip.

4. At any repeat interaction, I'm WAY more likely to tip and not be that annoyed. Anyone working at a hotel I stay in 50+ nights/year. Anyone at a CC you frequent. Bartender at the place you're a regular. All inclusive resort on day 1, and again on your last day. Etc.

5. Doing a great job of providing service (like your example above) is exactly what tipping is for. Rewarding outstanding service. Period. That is tipping in its purest form.

Brilliant post right here.