Hurricane SANDY, --that beotch

[Roadkill]

Originally Posted by Skyline

Sorry for your loss. But I don't get this on a couple of levels. First of all, I could understand taking the risk of not having collision insurance, but to have liability insurance only on a car worth more than $15k does not make sense. Comprehensive coverage (or 'comp') is not that expensive. That's the part of your auto insurance that covers fire, theft, flood damage, vandalism, etc.

Second, we had plenty of warning for this hurricane. Why didn't you take your X5 and bike to higher ground??? There's not much you can do if a tree falls on your car, but to park a car in a flood prone area does not make sense to me; especially an uninsured car.

^This. Your situation is unfortunate and I hope you can recover. Good luck.

[Skyline]

Originally Posted by fraserp

OK, I saw this coming.
1. my truck is parked indoors most of time.
2. i do not live in a flood zone area. my area was not expected to flood.
3. i only have a little over 50k on my truck. needless to say its parked most of the time. All summer I ride my motor bike.
4. Hurricane Sandy is the first of its kind in OVER 100 YEARS, so unless you were living in the 18th century no one expected something like this.
5. I am a firm believer in not wasting time and money, so for those who believe in paying a load of $ in insurance for a vehicle that is rearly ever used ---- I will not.
I have to admit that i had full coverage on it until june and took it off because it was going to be parked up for an extended period and to not have to turn in my plates i have to keep insurance on it. So to those who dont know me, my situation, my business, and think that now is a good opportunity to exercise their ability to try and belittle and show how smart or stupid or ignorant they are, let me say (when the right shoe is on the left foot) then you'll understand.
If you dont get it at different levels i hope you get it at ONE

Sorry you lost a nice car, but I still don't understand why you think comprehensive coverage is a waste of money. You live in one of the HIGHEST auto theft areas in the country. I lived in Brooklyn for ten years; I had one BMW keyed, one attempted theft, and another stolen from the sidewalk in front of my house while I slept without a trace. Avoiding comprehsive coverage is not a great idea, especially in Brooklyn.

And you can say no one expected the degree of storm surge, but I do remember warnings two days before the eye hit land to expect twelve foot surge above normal full moon high tide. I remember seeing maps on the Weather Channel prior to the storm, showing showing big parts of the city, including areas of Brooklyn, expecting flooding. Brooklyn is, after all, almost surrounded by water.

Obviously hindsight is 20/20, but these were not the best choices you made, and others here should take a lesson from that. It's better safe than sorry when it comes to major storms. I am sympathetic to your loss; I lost a couple of BMWs myself where I was not fully insured, so I know your pain. One was rolled on a racetrack, and I'm not sure you can get insurance to pay for that without fraud. The other was a restored classic BMW that was stolen, (from Brooklyn,) that turned out to only have actual cash value coverage, when I had requested what I now know to be stated value coverage. The race car was a risk I always knew was there that I really could not insure, the other was a learning experience in terms of insurance for me. Each one was a loss similar to the value of your X.

Flood insurance is quite inexpensive for those not in flood zones, and many more homeowners should have this coverage than do today. Unless you live on top of a big hill, it's not a bad thing to have. (BTW, no homeowner's insurance will cover a car in a home garage if the garage is destroyed, and neither will flood insurance; that's where your auto insurance comprehensive comes in). And if you're in a flood zone, there's simply no excuse for not having flood insurance, unless you are so rich you can afford the loss. The whole idea of any insurance is to avoid losses that you can not afford. Self insure what you can afford; ie take hefty deductibles to keep coverage in place.

[SlickGT1]

Originally Posted by Skyline

Sorry you lost a nice car, but I still don't understand why you think comprehensive coverage is a waste of money. You live in one of the HIGHEST auto theft areas in the country. I lived in Brooklyn for ten years; I had one BMW keyed, one attempted theft, and another stolen from the sidewalk in front of my house while I slept without a trace. Avoiding comprehsive coverage is not a great idea, especially in Brooklyn.

His car is parked in a garage almost all of the time

And you can say no one expected the degree of storm surge, but I do remember warnings two days before the eye hit land to expect twelve foot surge above normal full moon high tide. I remember seeing maps on the Weather Channel prior to the storm, showing showing big parts of the city, including areas of Brooklyn, expecting flooding. Brooklyn is, after all, almost surrounded by water.

He is not in the flood zone, and it is a 100 year storm. My neighborhood is also not in the flood zone, and all the people from the flood zone moved to our hood. Water stopped half a block from my house. Where exactly do you expect 3 million people to go?

Obviously hindsight is 20/20, but these were not the best choices you made, and others here should take a lesson from that. It's better safe than sorry when it comes to major storms. I am sympathetic to your loss; I lost a couple of BMWs myself where I was not fully insured, so I know your pain. One was rolled on a racetrack, and I'm not sure you can get insurance to pay for that without fraud. The other was a restored classic BMW that was stolen, (from Brooklyn,) that turned out to only have actual cash value coverage, when I had requested what I now know to be stated value coverage. The race car was a risk I always knew was there that I really could not insure, the other was a learning experience in terms of insurance for me. Each one was a loss similar to the value of your X.

Flood insurance is quite inexpensive for those not in flood zones, and many more homeowners should have this coverage than do today. Unless you live on top of a big hill, it's not a bad thing to have. (BTW, no homeowner's insurance will cover a car in a home garage if the garage is destroyed, and neither will flood insurance; that's where your auto insurance comprehensive comes in). And if you're in a flood zone, there's simply no excuse for not having flood insurance, unless you are so rich you can afford the loss. The whole idea of any insurance is to avoid losses that you can not afford. Self insure what you can afford; ie take hefty deductibles to keep coverage in place.

I had to fight with my insurance company to get flood insurance added to my properties. It is not as easy as you think. If they deem you not part of flood zone, you are going to have to fight to add it. They know they will lose money. In flood zones, they have no choice and must offer it, or they cannot sell there.

[jayjay_dee]

Sorry about this Fraser (one of the cool guys in this forum)...

Hope to see you in a bimmer again sometime...

No need to explain yourself to the 'geniuses' here...

Good luck bro!!!

[fraserp]

Well I have no intention to explain myself. It is surprising to see how quickly certain members jump at the opportunity to hit a man when he is down ---to them I say when the shoe is on the opposite foot.--- to those who offered sympathy, help, advice, suggession, i say thanks, thanks. the world goes on and I an still alive so re-building i will. I may be down but I am not out. And even with my loss I was able to offer help, advice and suggession to neighbours and friends who loss even more than me.
PEACE and LOVE to you all even the hyprocrits.--- I'LL BE BACK

[pnoyako85]

Just in case you dont know Frserps X5.....here it is......


She'll be missed man......it was a good ride...and Fraserp NEVER missed a meet he was always with us representing X5's.....

Tribute to your X5 man...>>
Fraserp X5 - YouTube

[Michelle]

So sorry to read this! I agree with JayJay - no need to explain yourself!

Hope everything gets sorted out and back to normal soon.

Just incase you missed it...here is the thread for this year's dinner! (Our last one was two years ago when you guys came down!): http://www.xoutpost.com/off-topic/xo...-grace-md.html

[fraserp]

Hey Michelle, haven't heard from you in a long while, thanks for your good thoughts. As I said I'LL be BACK. will be hooking up with you guys again. just give me some time. Yo, Mike, Bro, that youtube video is unbelievable Now you make me realy miss my Baby. Now you make me feel that I have to get back one. Jose sorry to hear about your situation too. Well i am thinking maybe a 09 or 10 if i decide to get back in the X world. Or i might do a 'JUSTIN' spin off.LOLLOL, Well as we know he was always just plain crazy. Anyway I am in good spirit and feeling comfortable that ALL WILL WORK OUT.

[pnoyako85]

Originally Posted by fraserp

Hey Michelle, haven't heard from you in a long while, thanks for your good thoughts. As I said I'LL be BACK. will be hooking up with you guys again. just give me some time. Yo, Mike, Bro, that youtube video is unbelievable Now you make me realy miss my Baby. Now you make me feel that I have to get back one. Jose sorry to hear about your situation too. Well i am thinking maybe a 09 or 10 if i decide to get back in the X world. Or i might do a 'JUSTIN' spin off.LOLLOL, Well as we know he was always just plain crazy. Anyway I am in good spirit and feeling comfortable that ALL WILL WORK OUT.

Hey Man,no problem bro....actually it was 1NAZTYX5 who thought about making a tribute to your x5 man...i just made it....but we all miss your X man....