As the title reads, my spouse was involved in an accident where she was at fault. I believe we were under insured. I (ignorantly) went with whatever Progressive offered when getting insurance. Below is what our coverage is:
Property Damage: $20k
Bodily Injury: $25k/$50k
After doing some research I realized we were underinsured. I have since bumped coverage up to the following:
Property Damage & Bodily Injury: $100k/$300k/$100k.
She hit a BMW that has a Kelley Bluebook value of about $45k. My question is, if the BMW is deemed totaled, would I be on the hook for the $25k or would I be on the hook for whatever is leftover after the totaled vehicle is auctioned off?

Essentially, my dad told me I couldn't borrow the car he's planning on selling because he fears I'll "devalue" it. I currently drive a '93 Toyota Camry that is heinously damaged, as someone rear-ended me going very fast the literal day I bought it. The damage is so extensive that half the doors won't open from frame damage. I didn't bother filing a claim, the person who hit me was uninsured and I didn't have uninsured motorist coverage. Before I continue, I do need to mention my track record with cars isn't great. I've had some accidents over the course of my 15-ish year driving career; never any major ones thank god but a couple fender benders and I hit a pole once (I was 19.)
So, my dad accidentally ended up with two cars. He needed a specific part that only the dealer could get and they were taking forever to get it from overseas. At the six month mark he gave up and bought a new (used) car because it was a good deal, etc. After over a year and a half they finally got the part and fixed it, but right before his big move to Amsterdam.
He didn't have time to sell it before leaving and its currently sitting in the driveway doing nothing. I floated the idea that I take out full coverage on it, pay for the insurance myself, and borrow it while he's gone. Doing so would allow me to get a better job due to reliable transportation (which I do not currently have) and, in turn, allow me to save money to buy a car of my own. And perhaps more importantly, get me out of a car that is objectively unsafe.
He said no, he didn't want me to "devalue" the car. I asked by what metric and he said, well even if insurance covers whatever damage it'll still be considered an incident and I won't be able to get as much at auction. Which is, of course, assuming I incur any damage at all while I have it.
A very close friend of mine was recently in a horrific car accident and is extremely lucky to be alive, even though she was driving a newer car with high safety ratings. I mentioned this to my dad, inferring that if the tables were turned and I was in that accident driving the Camry, I most likely would not have been so lucky. He shrugged his shoulders and said, well the chances are slim that you'd get in an accident, so you driving a safe vehicle is inconsequential to me.
Wait a minute, first I'm not allowed to drive the car due to fear of being in an accident and it being devalued. Now I'm not allowed to drive the objectively safer car because chances are I wont be in an accident and driving a safe vehicle is useless. How does that make any sense?
After a heated debate I said to him, ok Dad lets play devil's advocate here. Let's say I'm in an accident that requires a decent amount of work. How much would that devalue the car, exactly? A few hundred, couple thousand, maybe? That's the amount of money you're hypothetically afraid of losing in a hypothetical situation? Is that what my life, my safety is worth to you? You care more about money than keeping me safe?
I told him it felt like he was putting a price on my life, and it hurt my feelings. He told me to stop being such a drama queen and continue driving the death trap.
AITA for feeling like my dad put a price on my life? AITA for saying so? AITA for asking to borrow the car to begin with? AITA for being upset that he won't let me?

Hello,
I’ve been doing some extensive research the past few days over how best to go about making a profit on my home equity. I’ve looked at several options, but a foreclosure auction in my area caught my eye.
I understand the need for a title search and insurance for this sort of thing and will do so before attending the auction, but the thing that has me apprehensive is that the spread between the starting bid and the home value is significant. Starting bid is $150K and home value is around $477K. My available equity on my HELOC is around $204K, but I feel like I will easily be outbid either by the bank bidding up the price or other investors.
So the question is this: Is it worth my time to attend this auction or should I search for lower value properties?
Edit: I also just noticed the “foreclosure contact information” is listed. How feasible would it be for me to reach out and make a direct offer?

Taken from: https://www.theringer.com/movies/2024/5/21/24161120/greatest-movie-car-chase-scenes-ranked-furiosa-mad-max-saga
In honor of the imminent ‘Furiosa: A Mad Max Saga,’ we’re shifting into high gear to determine the best chase scene in cinema history
By Miles Surrey May 21, 2024, 6:30am EDTGetty Images/Ringer illustration
After wowing audiences with Mad Max: Fury Road, director George Miller returns to the franchise’s post-apocalyptic wastelands for Furiosa, the epic origin story of the eponymous heroine (now played by Anya Taylor-Joy), premiering on Friday. As the follow-up to one of the greatest action films ever made, it’s hard to overstate the hype for Furiosa, and that was before word got out about a showstopping 15-minute sequence that required nearly 200 stuntpeople and took 78 days to shoot. While Furiosa will have its own distinct flavor, as is true of every Mad Max movie, there’s one thing that unites these projects: intense, jaw-dropping scenes of vehicular mayhem. And what better way to honor the franchise than by celebrating what it does best?
Ahead of Furiosa’s release, we’ve put together our definitive ranking of the best car chases in cinema. There weren’t any strict rules in place, other than capping the list at 20—mostly for my own sanity—and limiting every franchise to one entry. (Apologies to Fury Road’s kickass predecessor The Road Warrior.) We also won’t discriminate against scenes that feature motorbikes, so long as cars (and/or trucks) remain part of the equation. As for what, exactly, constitutes a good car chase? Like list making, it’s bound to be subjective, but I tend to gravitate toward two key elements: the skill of the stuntwork on display and the ways in which a filmmaker conveys the action in relation to the story. (Also, the less CGI, the better.) Buckle up, ’cause we’re not wasting any time shifting into high gear.

20. Quantum of Solace (2008)

There have been some memorable car chases in the James Bond franchise: the first sequence featuring the iconic Aston Martin DB5 in Goldfinger, the corkscrew jump in The Man With the Golden Gun, the Lotus Esprit submarine in The Spy Who Loved Me. But I’m going with a somewhat controversial pick here: Quantum of Solace. There are many issues with Quantum of Solace—namely, it was one of the most high-profile blockbusters affected by the 2007-08 writers strike—but its opening scene isn’t one of them. Picking up right where Casino Royale left off, we find Bond (Daniel Craig) evading henchmen through the narrow roads around Italy’s Lake Garda. The frenetic, furious chase mirrors Bond’s sense of anguish after losing Vesper Lynd (Eva Green), the woman he opened his heart to, and his relentless quest for answers. It’s a thrilling tone-setter for Quantum of Solace and one that doesn’t overstay its welcome, capped off by Bond sending his final pursuers flying off a cliff:
If we’re being honest, though, it feels like James Bond has yet to create a franchise-defining car chase. Perhaps that’s a mission the newest 007, whoever it ends up being, can undertake.

19. Mission: Impossible—Rogue Nation (2015)

The Mission: Impossible franchise is no stranger to electrifying chase scenes, the best of which find Tom Cruise’s Ethan Hunt working up his heart rate. When it comes to action behind the wheel, though, Fallout tends to dominate the discussion—even on this very website. But I think the vehicular chase in Rogue Nation is being slept on. What we have is effectively two sequences for the price of one: The first finds Hunt pursuing Ilsa Faust (Rebecca Ferguson) by car through the narrow streets of Casablanca alongside some nefarious henchmen; the second sees him continue the chase outside the city on motorbike. (Adding to the chaos: Hunt had only just been resuscitated, and he’s clearly not all there.) In terms of death-defying stunts for the audience’s entertainment, a helmetless Cruise taking corners like a MotoGP racer is child’s play compared to his other exploits, but the actor’s authentic reaction to scraping his knee on the road underlines that there’s no one else in Hollywood doing it like him:
We’ll be sure to update this ranking if and when Cruise does something even more dangerous down the road, pun unintended.

18. Vanishing Point (1971)

A movie that counts the likes of Steven Spielberg and Quentin Tarantino among its biggest fans, Vanishing Point is the first of a few entries on this ranking that’s essentially one extended car chase. The film stars Barry Newman as Kowalski, a man tasked with delivering a Dodge Challenger T 440 Magnum from Colorado to California while eluding police across four states. One of Kowalski’s most memorable run-ins comes when a guy driving a Jaguar E-Type convertible challenges him to an impromptu race. Incredibly, we’re expected to believe the man in the Jag comes out of this crash in one piece:
Vanishing Point might not boast the impressive production values of other movies on this list, but considering Tarantino would go on to feature a white Challenger in Death Proof, its influence in the car cinema canon is undeniable.

17. Fast Five (2011)

Let’s face it, Fast & Furious has seen better days. Some believe the franchise’s dip in quality coincided with the death of Paul Walker; others are dismayed by the pivot from street racing to absurd feats of superherodom—emphasis on the Dom. Perhaps it’s a bit of both, but the very best movie in the series, Fast Five, manages to strike the perfect balance: It’s a relatively grounded heist thriller that nevertheless takes the franchise to ridiculous new heights. After Dominic Toretto (Vin Diesel) and his crew steal $100 million from a Brazilian kingpin, they drag the entire bank vault holding the money through the streets of Rio de Janeiro, all while being pursued by authorities. It’s a delightfully destructive sequence that does untold damage to Rio’s infrastructure and features some of the most bone-crunching crashes committed to film:
If the Fast franchise is going to break out of its recent slump, it would do well to remember that there’s nothing better than letting its heroes live their lives a quarter mile at a time—no detours to outer space required.

16. The Blues Brothers (1980)

A good car chase isn’t reserved just for action flicks: Comedies can get in on the act, too. In The Blues Brothers, starring the recurring Saturday Night Live characters played by John Belushi and Dan Aykroyd, the beloved bandmates must prevent the foreclosure of the orphanage where they were raised by scrounging together $5,000. Naturally, that’s easier said than done: Along the way, the Blues Brothers draw the attention of neo-Nazis, a country-and-western band, and local police. While The Blues Brothers has amusing gags and musical numbers, its chase sequences with the Brothers behind the wheel of a 1974 Dodge Monaco are what really steal the show—and none are better than a climactic pursuit across Chicago. More than 60 old police cars were used in the film, some of which are wrecked in a comically over-the-top pileup:
The sheer scale of The Blues Brothers’ final set piece is commendable in and of itself—as is the movie’s commitment to treating real-life cars like a bunch of Hot Wheels.

15. Baby Driver (2017)

For good and for ill, Edgar Wright’s movies exude an abundance of style, and Baby Driver is no exception. Baby Driver is centered on a clever gimmick: The action works in tandem with its soundtrack because the film’s protagonist, Baby (Ansel Elgort), suffers from tinnitus and constantly plays music to drown out the ringing. When everything’s clicking into place, Baby Driver feels like a supersized series of music videos, and nothing hits quite like its opening sequence. Baby acts as the getaway driver for a bank robbery while listening to the Jon Spencer Blues Explosion’s “Bellbottoms.” The ensuing chase works around rhythms of the song, as if Baby’s Subaru WRX were the star of its own dance number. Take nothing away from the actual driving, either, which puts the rally car to good use:
Baby Driver’s gimmick stretches a little thin by the end, but it’s hard to deny the crowd-pleasing power of Wright’s film when it’s firing on all cylinders.

14. The Raid 2 (2014)

With a trio of kickass Indonesian martial arts films under his belt, Gareth Evans has established himself as one of the most exciting action directors on the planet—someone who seems most in his element staging positively brutal hand-to-hand combat. In The Raid 2, however, Evans also brought his signature brand of carnage to the road. While there’s some cleverly executed close-quarters fighting within the confines of an SUV, courtesy of Iko Uwais’s hard-hitting protagonist, what really cements this sequence’s greatness are the moments when Evans turns the cars into an extension of the characters’ fists:
This belongs in an entirely new category of combat: car fights. There are so many action scenes in The Raid 2 worth writing home about—the kitchen showdown is an all-timer—but the fact that Evans casually tossed in an unforgettable car chase shows why he’s one of one.

13. The Driver (1978)

I’ll say this for Walter Hill’s The Driver: It sure lives up to its title. In this stripped-down thriller—one where none of the characters have a name—we follow the Driver (Ryan O’Neal), a getaway driver who has become a thorn in the side of the LAPD. In the film’s best scene, we see its taciturn protagonist living up to his reputation. With the Driver behind the wheel of a 1974 Ford Galaxie, a cat-and-mouse game unfolds when a handful of police cars are hot on his tail. What I love about this sequence is the pared-down nature of it all: The Driver outwits the cops as much as he outraces them. (Though, ironically, that wasn’t entirely by design: As Hill later explained, an accident on the last night of shooting meant they had to cobble together what had already been filmed.) Frankly, you’d never know the difference from the finished article:
If the general vibes of The Driver seem familiar, that’s because it was a major inspiration for Nicolas Winding Refn’s Drive, which just so happened to feature an unnamed protagonist (Ryan Gosling) evading police through the streets of Los Angeles.

12. The Bourne Supremacy (2004)

The shaky-cam style of the Bourne franchise isn’t for everyone—just ask John Woo—but credit where it’s due: These movies know how to deliver a good chase scene. (A friendly reminder that The Bourne Legacy is an underrated gem with an awesome motorbike sequence to boot.) But there’s one Bourne chase that stands above the rest: the Moscow getaway in The Bourne Supremacy. After being wounded by the Russian assassin Kirill (Karl Urban), Jason Bourne (Matt Damon) hijacks a taxi, with both the police and Kirill in hot pursuit. This isn’t the kind of sequence that lingers on any one shot; instead, what makes it work is the frenetic nature of the editing, which allows the viewer to feel like they’re in Bourne’s fight-or-flight headspace:
If I’m being honest, I’m usually one of those people who doesn’t like the Bourne movies’ shaky-cam style, but when it’s executed with such craftsmanship, you can’t help but get caught up in its adrenaline-pumping power.

11. The Seven-Ups (1973)

Philip D’Antoni was the producer of two movies featuring Hall of Fame car chases, Bullitt and The French Connection, the latter of which won him an Oscar for Best Picture. And with his lone directorial feature, The Seven-Ups, D’Antoni sought to craft an iconic sequence of his own. The film stars Roy Scheider as NYPD detective Buddy Mannuci (elite Italian American name; I can practically smell the gabagool), who commands a unit handling major felony cases that lead to seven-plus-year prison sentences; that’s why they’re known as the Seven-Ups. Midway through the movie, when one of the team members is killed by two shooters who flee the scene, Buddy chases after them. The 10-minute sequence, which starts in the Upper West Side before moving out of the city, is thrillingly immersive, alternating between close-ups of the characters and wider shots of all the damage they’ve caused. But the chase’s defining moment comes right at the end, when Buddy narrowly avoids a grisly death:
The sequence isn’t quite at the level of Bullitt or The French Connection—very few are—but D’Antoni still manages to leave an unmistakable imprint on the car chase canon.

10. Death Proof (2007)

If you ask Quentin Tarantino, Death Proof, his knowingly trashy tribute to exploitation cinema, is the worst movie he’s ever made. But that doesn’t mean there isn’t a lot to admire about the film, which honors the unsung heroes of Hollywood: stunt performers. The first half of Death Proof follows three female friends who cross paths with Stuntman Mike (Kurt Russell), a misogynistic serial killer who takes them out in his “death-proof” Chevy Nova. Fourteen months later, a group that includes stuntwoman Zoë Bell, playing herself, also lands on Mike’s radar. As Bell and her friends test out a ’70s Challenger, she performs a “ship’s mast” stunt, clinging onto the hood of the car with fastening belts. Unfortunately, when Mike pursues the women, it puts Bell in a precarious situation. Most of the entries on this list celebrate some next-level driving skills, but Death Proof’s inclusion is all about Bell pulling off one of the wildest stunts you’ll ever see. She’s quite literally hanging on for dear life:
If the Academy handed out Oscars to stunt performers—and let’s hope it does happen one day—Bell would’ve won in a landslide.

9. To Live and Die in L.A. (1985)

William Friedkin was already responsible for an all-time great car chase in The French Connection (more on that later), but the filmmaker made a commendable bid to outdo himself with To Live and Die in L.A. In this neo-noir thriller, Secret Service agent Richard Chance (William L. Petersen) is hell-bent on arresting an expert counterfeiter, Rick Masters (Willem Dafoe), who kills Chance’s partner days before his retirement. To capture Masters, Chance and his new partner, John Vukovich (John Pankow), attempt to steal $50,000 from a jewelry buyer for an undercover operation. The sting goes bad when the buyer, who is later revealed to be an undercover FBI agent, is killed and a group of gunmen goes after Chance and Vukovich. It’s a clever inversion of the usual car chase formula—this time, it’s the lawmen running away from the criminals. The outside-the-box thinking extends to the film’s most astonishing stretch, in which Chance evades the gunmen by driving into oncoming traffic:
The fact that Friedkin shot the chase at the end of filming—in case anything disastrous happened to the actors—underscores just how risky the endeavor was. The pulse-pounding results speak for themselves.

8. The Matrix Reloaded (2003)

The Matrix sequels have never been held in high esteem, but I’m ready to live my truth: The Matrix Reloaded fucking rules. (If anyone’s got a problem with this take, file your complaints with the Architect.) What’s more, the film happens to boast the finest action set piece of the franchise: the highway chase. After Morpheus (Laurence Fishburne) and Trinity (Carrie-Anne Moss) free the Keymaker (Randall Duk Kim), a program capable of creating shortcuts within the Matrix, they’re pursued by the Twins (Neil and Adrian Rayment). Morpheus once warned that going on the freeway was “suicide,” and it doesn’t take long to see why: The chase draws the attention of several Agents, who repeatedly take over the bodies of other drivers on the road. The scene is the best of both worlds: There’s some incredible stuntwork on display, including when Moss weaves around on a Ducati, and CGI augments some feats of superhuman strength. But the most jaw-dropping aspect of the sequence is how it came together, as the production spent $2.5 million to construct its own highway (!) on California’s Alameda Island. If that weren’t unique enough, I’m pretty sure Reloaded is also the only movie in existence in which a katana takes out an SUV:
The Matrix remains the Wachowskis’ masterpiece, but don’t get it twisted: The filmmakers were still cooking with gas in the sequel.

7. Gone in 60 Seconds (1974)

Size isn’t everything, but for H. B. Halicki, who produced, wrote, directed, and starred in Gone in 60 Seconds, it’s certainly part of the package. The indie action flick follows Maindrian Pace (Halicki), a Los Angeles insurance investigator who has a lucrative side hustle jacking high-end cars. The plot kicks into motion when a South American drug lord enlists Pace to nab 48 cars within five days in exchange for $400,000. Of course, Gone in 60 Seconds is best known for what happens after Pace is caught stealing a 1973 Ford Mustang Mach 1, when he leads police on a chase that lasts a whopping 40 minutes. (More than 90 cars were destroyed in the process.) Halicki, for his part, did all the driving himself, including a spectacular jump off a makeshift ramp of crashed cars:
While Halicki wound up making a few more indies after Gone in 60 Seconds, he died in an accident on the set of its sequel. His legacy as a do-it-all daredevil, however, lives on.

6. Terminator 2: Judgment Day (1991)

Long before James Cameron immersed himself in the world of Pandora, he was a pioneer of state-of-the-art visual effects. Case in point: Terminator 2: Judgment Day is credited for having the first CGI character in a blockbuster, the T-1000 (Robert Patrick), a killing machine composed of a futuristic liquid metal. But Cameron also understood that the CGI of that era shouldn’t be the main attraction: It worked best as a complement to the practical effects, as seen in Judgment Day’s epic viaduct chase. When the T-1000 tracks down a young John Connor (Edward Furlong) in a shopping mall, he’s saved at the last minute by the Terminator (Arnold Schwarzenegger), giving John a chance to escape on his dirt bike. As the T-1000 gives chase, the David and Goliath vibes between man and machine are further epitomized by the T-1000’s commandeering of a truck. The sequence already has a terrifying sense of urgency, but it hits another level when the T-1000 crashes through the viaduct like the Kool-Aid Man:
Big Jim is still revolutionizing what can be achieved with visual effects in the Avatar franchise, and while I cherish those movies, nothing beats his old-school showmanship.

5. Duel (1971)

The feature-length debut of Steven Spielberg—perhaps you’ve heard of him—the TV movie Duel is essentially one extended chase sequence between salesman David Mann (Dennis Weaver) and a sinister trucker determined to drive him off the road. I’ve attached a clip from the ending of the film, but that doesn’t do Duel justice. What cements this movie’s greatness is how it sustains an unbearable level of tension across its 90-minute running time—with a budget under $500,000, no less. Spielberg’s masterstroke is never once showing us the other driver, anthropomorphizing the truck itself as a monster. (You can see a lot of similarities with how he would build suspense in Jaws.) When Mann finally gets the upper hand, tricking his adversary into driving off a cliff, it feels like you can breathe again:
Spielberg would move on to bigger and better things after Duel, but considering how much the director accomplished with so little, you can’t help but wonder what else he could conjure up with limited resources.

4. Mad Max: Fury Road (2015)

Like Duel, Fury Road is basically one long car chase—the difference is Miller got to work with a blockbuster budget, and made every cent of it count. It’s hard to pick a single standout sequence in Fury Road, but if I had to choose, I’d go with the first attack on the War Rig after Furiosa (Charlize Theron) flees with the wives of Immortan Joe (Hugh Keays-Byrne). Here’s why: Think back to when you saw Fury Road for the first time, before you fully grasped the vehicular carnage that was in store. And then stuff like this kept happening:
To quote Steven Soderbergh’s thoughts on Fury Road: “I don’t understand how they’re not still shooting that film and I don’t understand how hundreds of people aren’t dead.” Whether or not Miller manages to one-up the action in Furiosa, the director is already in the pantheon.

3. The French Connection (1971)

We return to the Friedkin-verse for what may be his best film, The French Connection, the crime thriller based on Robin Moore’s 1969 nonfiction book of the same name. The story concerns two NYPD detectives, Jimmy “Popeye” Doyle (Gene Hackman) and Buddy “Cloudy” Russo (Roy Scheider), and their tireless pursuit of a French heroin smuggler. But while there’s plenty to admire about how The French Connection illustrates the thin line between police and criminals, its greatest claim to fame is its car chase. After Popeye narrowly survives a sniper attack, he goes after the shooter, who escapes on an elevated train. The ensuing sequence is true daredevil filmmaking that Friedkin shot without permits, leading to real crashes with New Yorkers that made the final cut. But Friedkin’s finest touch was mounting a camera to the front of the car, making the audience feel like they’re part of the action:
My Ringer colleague Justin Sayles believes The French Connection’s chase should’ve landed at no. 1, and I’m sure many folks will agree with him. Being the only film on this list to win Best Picture, however, is a solid consolation prize.

2. Bullitt (1968)

When it comes to modern car chases, all roads lead back to Bullitt. A Dad Cinema classic, the film stars Steve McQueen as Frank Bullitt, a San Francisco detective who pursues a group of mobsters after a key witness is killed in protective custody. In his search for answers, Bullitt realizes he’s being tailed by a couple of hitmen, and then turns the tables on them. From there, the chase is on. Aside from McQueen doing most of his own stunts behind the wheel of a Ford Mustang GT 390 Fastback, what’s so impressive about the sequence is how timeless it is. Even the little imperfections, like hubcaps repeatedly coming off the wheels, work to the film’s advantage, stressing just how much these drivers are living on a razor’s edge. It’s been more than 50 years since Bullitt revolutionized the car chase, and yet few movies since have felt like they’re pushing the envelope to such an exhilarating degree:
That the car driven by McQueen was recently sold at auction for $3.74 million, a then-record price for a Mustang, underlines Bullitt’s enduring legacy.

1. Ronin (1998)

“If I’m going to do a car chase,” filmmaker John Frankenheimer said in an interview with the American Society of Cinematographers, “I’m going to do a car chase that’s going to make somebody think about whether or not they want to do another one!” Boy, did he ever. In Frankenheimer’s late-career masterpiece, Ronin, the director actually incorporated several chases, but it’s the climactic sequence that stands alone as the greatest ever filmed. The movie concerns an international group of mercenaries who are hired to steal a mysterious briefcase; a series of double-crosses and double-bluffs ensue. But for the final chase, all you need to know is that Sam (Robert De Niro), a mercenary with ties to the CIA, is in pursuit of Deirdre (Natascha McElhone), an IRA operative in possession of the case. Winding through the streets and tunnels of Paris, what’s most striking is just how fluid it all feels. You’re completely engrossed in the chase’s forward momentum, captured from every conceivable angle; a symphony of controlled chaos. The driving styles even reflect the characters: Deirdre is reckless and impulsive, while Sam remains calm and controlled.
There are many worthy car chases in this ranking, but in my view, Ronin takes pole position. And while I can’t imagine a movie ever topping what Frankenheimer achieved, I’d love nothing more than to be proved wrong.

I was rear ended and the at-fault party’s insurance company accepted full liability. The collision wasn’t structurally damaging, the frame is in tact and undamaged. In fact, the tail lights and back up camera still works perfectly fine. The trunk is ajar and the bumper is split, but the total estimate is $13k. I’d include pictures if I could. I have a 2017 Ford Fusion and the market value before it was in a collision was around $12k.
The body shop works directly with the insurance company and conveniently the repair cost somehow rocketed its way up beyond the value of my car so now I know the next step is they’re going to offer to total my car. The problem? I’m financing it and owe $17k still. I bought when the car market was high.
I am extremely suspicious that the repair cost is exaggerated by the repair shop on behalf of the insurance company so they can total the car and recover the money it paid me out by selling it at an auto auction instead of paying for the repair and getting nothing back to recover their expense.
This car drives perfectly fine, the frame is perfectly fine, the work seems to be mostly panel work and a replacement trunk hood. I’d estimate it’s probably $6k of damage but they don’t want to pay that without also getting the car.
Second opinions? Has anyone experienced this?

So this my 93’ LS400. It has around 65k miles, and is dark taupe metallic over pretty much a matching interior. It is stupendously clean but unfortunately a cement truck ran a red light and totaled it. I’m debating internally if I want to keep it and fix it myself or just let the insurance take it away. I absolutely adore this car in the month that I owned it and would love another of the same exact spec but I searched and I can’t seem to find a single one except for one previous BAT auction. My question is should I fix this car sinking even more money into in reality a salvage title 30 year old car, or should I just let the universe do its thing and take it away? Follow up question would be how hard would it be to find another? I tried finding production numbers but I cant seem to find anything. Thank you! Also I should note that the car was hit in the very front past the wheel so I didn’t notice any frame damage or suspension/drivetrain damage I actually drove it home from the accident as I wasn’t far from my house

I’m having a little bit of an issue right now with getting car insurance. So in march I sold my only car a 2010 Jetta, our insurance premium for that car with full coverage was around $1700 for me (licensed in mass for 3 years, 16 years in India) and my son, newly licensed (2021).
Now the problem, i’m trying to get auto insurance for another car I’m buying soon, A 2020 Subaru Forester. All of the quotes I’m getting are like $4-6k per year. I’ve talked to a few insurance agencies to get better rates but they keep on telling me that most insurance companies won’t write me a policy because I haven’t had insurance in 3 months.
But I don’t understand how that’s a problem, if I sold my car and didn’t have any other automobile, why would I keep my insurance? I canceled my policy a week after selling my car.
What can I do ? I’m not looking forward to paying $5k + for insurance, please advise me what to do.

I’m having a little bit of an issue right now with getting car insurance. So in march I sold my only car a 2010 Jetta, our insurance premium for that car with full coverage was around $1700 for me (licensed in mass for 3 years, 16 years in India) and my son, newly licensed (2021).
Now the problem, i’m trying to get auto insurance for another car I’m buying soon, A 2020 Subaru Forester. All of the quotes I’m getting are like $4-6k per year. I’ve talked to a few insurance agencies to get better rates but they keep on telling me that most insurance companies won’t write me a policy because I haven’t had insurance in 3 months.
But I don’t understand how that’s a problem, if I sold my car and didn’t have any other automobile, why would I keep my insurance? I canceled my policy a week after selling my car.
What can I do ? I’m not looking forward to paying $5k + for insurance, please advise me what to do.

The continuous blunders of politicians who refuse to listen to the voices of the people on the ground are wasting tax money and ruining Japan. I believe the long-term Liberal Democratic Party (LDP) rule has significantly damaged the country. During the period of economic growth, it seemed that politics benefited from the efforts of the home appliance and automobile industries.
Even when looking at articles about the My Number card (mcard), there seems to be no match between the current state of administrative procedures and the simplification through digitalization. The impression is that current politicians, both ruling and opposition parties, do not listen to the voices of the people, or rather, the voices of local voters, leading to a series of blunders.
For example, ministers seem unaware of the reasons why the administration cannot actively use the mcard system in current procedures, such as those for insurance.
They probably just give orders to their subordinates when pointed out and say to improve things without understanding the actual situation.
Originally, the LDP-Komeito coalition government has many members, including local LDP-affiliated members. Therefore, they could use these colleagues and ask party members to investigate if they tried.
However, current Japanese politicians tend not to actively listen to the voices of the people.
They seem to think that the people = members of the party, so the voices from the field, which even the party members do not know, do not reach them.
If ministers are appointed from the ruling party, they should utilize party members to investigate the field and discuss how to improve things and how to use the mcard to enhance convenience for ordinary people. But we do not see such efforts.
Perhaps there is no such mechanism. What is visible is only the interaction with supporters to win elections.
The media should ask the relevant parties if the ministers do not answer questions. They do not even try to ask the LDP members. Isn’t this something the ruling party should handle?
From the articles, it seems that the reality is visible, but the arbitrary orders to improve things take time and the ministers, who do not know the reality, cannot see the ideal digitalization.
When will politicians listen to the voices of the people?
The biggest problem in Japan today might be the lack of communication between politicians and ordinary people.
--by ChatGPT--
original Japanese article--
やはり日本は自民党政権が長期にわたってだめにしたんだと思う。経済成長期では家電や自動車産業の頑張りもあってその恩恵を政治も受けていただけに見える
mcardの記事を見ても行政手続きの現状とディジタル化による簡素化とのマッチングがないようで、そもそも今の政治家は与野党ともに国民の、いや地域有権者の声を聞こうともしない結果が失策続きになっている印象を受ける
例えばこのmcardのシステムと、今の保険などの現状の手続きなどによるmcardの利用を積極的に行政も行えない事情を大臣など知らないようだ
たぶん指摘を受けて部下に命令するだけで、実態もわからないままに、改善しろと言っているだけなのだろう
本来自公政権って議員の数も多く、地方議員でも自民党系もいるはず。よって調べようとすればそういう仲間も利用できるだろうし、党員にも調査を依頼もできるだろう
でも今の日本の政治家は積極的に国民の声を聞かない傾向がある
いや国民＝党内の議員と思っているから、党内の議員も知らない現場の声なんてあがってくいるわけもない
本来大臣まで与党から出しているなら、その同じ党内の議員も利用して、現場を調査して、どうすれば改善するか、mcardをどう利用すれば一般国民の利便性があがるのかを議論して仕様なども修正していけばいいのに、そういう状態も見えない
たぶんそういうしくみもないのだろう。ただ見えるのは選挙に勝つための支援者との交流の部分だけだ
報道も大臣が質問に答えないなら関係者に聞けばいいことなのに、自民党議員にも聞こうともしないし、本来そういうのは政権与党がするべきことではないのか
記事から実態が見えてそこから命令だけで改善させるという横暴は時間がかかるし、実態を知らない大臣だから、余計にその命令も理想とするディジタル化が見えない
いつになったら政治家は国民の声を聞くことになるのだろうか。
今の日本の最大の問題は政治家と一般国民との会話がないことではないだろうか

In Florida here. Our vehicle has been declared a total loss after a collision. The at-fault-driver's insurance has accepted liability for the accident and has valued the vehicle at ~11k. They explained that they will auction the vehicle and expect to get $2100 for it. They proposed paying us the difference (~$8900) immediately and a check for what they get at auction when that occurs in ~30 days.
The auction value seems irrelevant to me. The vehicle had a value at the time of the accident and I think that's what we should be paid, regardless of how much they recover via auction. Is this standard practice?
Also, they're paying for a rental car, but since our vehicle was declared a total loss, they're ending that in four days, while the settlement check may take weeks. I think we should have the rental paid for until the final settlement check clears. Would that be in line with a fair settlement?

Great family culture with no late nights, and no Sundays!
Come join Yoder Chevrolet in building a career that is great for anyone with a friendly demeanor & positive attitude looking to make a difference in a person's day!
Who Are We? We are a state-of-the-art automotive company built on strong family values that have been a cornerstone of the community since 1908. Our businesses are dedicated and committed to serving the Northern Colorado community with best-in-class service, sales, repairs, and customer service. We care for thousands of customers every year because of the dedicated, committed, and professionally trained members of the Yoder Family of Companies.
What Would You Do? The Sales & Leasing Consultant is directly responsible for selling and leasing new and used vehicles while adhering to our customer satisfaction standards. This person assists in maintaining an orderly lot with accurate prices/merchandising. They work to develop relationships with customers in and around the community, and in cultivating a positive culture and work environment that aligns with the organization's mission and values.
What will you be responsible for?

• Greets all customers promptly in a courteous manner.
• Leads customers through the entire sales process.
• Determines each customer’s vehicle needs by asking questions, actively listening, and sharing our concept statement.
• Demonstrates vehicles (including test drives).
• Delivers vehicles to customers, ensuring that the customer understands the vehicle’s operating features, warranty, and paperwork, and laying the foundation for customer loyalty.
• Uses company CRM tool effectivity and consistently to track all customer interactions.
• Follows up with customers after their purchase.
• Stays up to date on all factory training and certifications.
• Maintains an owner follow-up system that encourages repeat and referral business and contributes to customer satisfaction.
• Actively prospects new and former customers in all areas of Northern Colorado.
• Keeps abreast of new products, features, accessories, etc., and their benefits to customers.
• Understands the terminology of the automobile business and keeps abreast of technological changes in the product

Do you have the necessary education and experience?

• High school degree or equivalent, associates or bachelor’s in business or related field preferred.
• 3 plus years’ previous automotive sales experience preferred.

What are the total Rewards?

• CULTURE!!!
• Commission, Exempt: $60k-$100k annually
• Competitive vacation time, sick time, paid holidays, profit sharing, 401(k) employer-paid life insurance, health, dental, vision, and pet insurance, and company discounts for full-time positions.

PM21
Bewirb Dich jetzt über den untenstehenden Link!

Do you want to be a part of a positive and hardworking culture?
Look no farther, come join Yoder Chevrolet!
OPPORTUNITY FOR A SIGN ON BONUS!
Who Are We? We are a state-of-the-art automotive company built on strong family values that have been a cornerstone of the community since 1908. Our businesses are dedicated and committed to serving the Northern Colorado community with best-in-class service, sales, repairs, and customer service. We care for thousands of customers every year because of the dedicated, committed, and professionally trained members of the Yoder Family of Companies.
What Would You Do? The right candidate will be responsible for performing accurate diagnostics on all automobile makes and models and providing fast, accurate, high-quality, efficient mechanical repairs. This position is responsible for nurturing and cultivating a positive culture and work environment that aligns with the organization’s mission and values.
What will you be responsible for?

• Diagnoses and repairs vehicles to specifications, ensuring they are safe to drive.
• Test drives vehicles and tests components and systems, using equipment such as infrared engine analyzers, compression gauges, and computerized diagnostic devices.
• Examines vehicles to determine extent of damage or malfunctions.
• Confers with advisors and/or customers to obtain descriptions of vehicle problems and to discuss work to be performed and future repair requirements.
• Tears down, repairs, and rebuilds faulty assemblies, such as power systems, steering systems, and linkages.
• Disassembles units and inspects parts for wear, using micrometers, calipers, and gauges.
• Repairs or replace parts such as pistons, rods, gears, valves, and bearings.
• Rewires ignition systems, lights, and instrument panels.
• Repairs manual and automatic transmissions.
• Adequately explains the technical diagnosis and required repairs to non-mechanical individuals.
• Completes accurate notes/records on RO in DMS.
• Participates in ongoing technical education.
• Assist with other duties as assigned.

What is the necessary education & experience

• High school degree or equivalent required.
• Automotive trade or technical school preferred.
• ASE certification is required

What are the total Rewards?

• CULTURE!!!
• Compensation is Flat Rate Non-Exempt: $35- $55 DOE & Certification.
• Competitive vacation time, sick time, paid holidays, profit sharing, 401(k), employer-paid life insurance, health, dental, vision, pet insurance, and company discounts for full-time positions.

PM21
Bewirb Dich jetzt über den untenstehenden Link!

Proof and album
Safe password pledge: I have enabled 2FA and will not give out my password to anyone.
Spot is calculated using kitco $2437/ozt
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US gold
2016 1/2 ozt Walking Liberty OGP + COA, one of the best looking modern coins, also this is not a proof coin, can't update the title now, $1450
https://imgur.com/mlwOO61
https://imgur.com/xC9ah2C
https://imgur.com/qjIHCkc
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2010 1 ozt proof gold buffalo OGP + COA, $2550
https://imgur.com/ZF74N3t
https://imgur.com/5QcjmXx
https://imgur.com/yE5fk0o
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1987 1 ozt proof gold eagle OGP + COA, roman numerals, $sold
https://imgur.com/pxF7Nxm
https://imgur.com/TrOPxHI
https://imgur.com/xothI1t
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1904-S liberty double eagle PCGS MS-64, cheapest S mint MS-64, recent feebay auction price $2850+, back of holder has some small chips, $2600
https://imgur.com/t15sef3
https://imgur.com/J6vaiJT
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2016 1/2 ozt proof gold eagle PCGS PR70, perfect specimen of 30th anniversary proof eagle, $sold
https://imgur.com/HDKQCWl
https://imgur.com/B1piYTe
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World slabbed gold and platinum
https://imgur.com/dGKCEmV
https://imgur.com/eWCoW84
https://imgur.com/WxuPftx
https://imgur.com/fUx57Wg
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2009 Isle of Man Angle 25th anniversary 1 ozt .9999 gold + 1/20 ozt .999 platinum NGC PF69UCAM w/ COA $2541 (spot +2%)
1991 Taiwan Republic of China 80th anniversary 1ozt .999 gold PCGS PR67DCAM w/ COA $2437 (spot)
2014 Niue Disney Donald Duck 1ozt .999 gold NGC PF70UC $2437 (spot)
2016 Smithsonian Panda Bei Bei 1 ozt .999 gold NGC PF69UC $2437 (spot)
1987-S China 50 yuan gold panda 1/2 ozt .999 gold NGC MS68 $1231 (spot +1%)
1990 China 100 yuan gold panda large date 1 ozt .999 gold NGC MS67 $2461 (spot +1%)
2022 Swiss Shooting Festival 500-franc gold taler (mintage 150, hard to find premium piece) 1/2 ozt .999 NGC PF70UC $1450
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1978 Dominica $300 Independence Coat of Arms NGC PF65UCAM AGW 0.5556 ozt $1351 (spot)
1979 Turkey 500 Lira FAO Development of Peasant Women PCGS PR65CAM AGW 0.2359 ozt $575 (spot)
1979 Dominican Visit of Pope John Paul II PCGS MS68 AGW 0.3472 ozt $846 (spot)
1981 Greece Pan-Europe Games 5000 Drachmai NGC PF69UCAM AGW 0.3657 ozt $900 (spot +1%)
2021 Tristan Da Cunha: Elizabeth II gold Proof 1/4 Noble 1/4 ozt .999 PCGS PR70DCAM $615 (spot +1%)
1955 Mexico 5 pesos restrike AGW 0.1206 ozt ANACS MS65 $300 (spot +2%)
1959 Mexico 10 pesos restrike AGW 0.2411 ozt PCGS MS66 $600 (spot +2%)
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1987 Switzerland proof Matterhorn 1/2 ozt platinum NGC PF68UCAM $600
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World raw gold
https://imgur.com/mksItJC
https://imgur.com/oVzgQJH
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Commemorative Japan Oban 1 ozt .999 gold round-ish Box + COA $2437 (spot)
1919/3 Colombia 5 pesos AGW 0.2355 ozt $sold
1886 Germany Prussia 20 Mark AGW 0.2305 ozt Circulated $567 (spot +1%)
1927 Netherland 10 Gulden AGW 0.1947 ozt AU/BU $474 (spot)
1875 Netherland 10 Gulden AGW 0.1947 ozt $474 (spot)
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Shipping: CONUS only. USPS ground $5 (total weight <6 oz). Priority small box $9, medium box $15. Insurance extra.
Disclaimer: I package well and discreet. But without insurance, my liability ends when USPS first scan the package.
Insurance: I'll self insure for 1%. Or fully insured registered mail for $35.
Payment: Prefer Zelle. Accept Venmo, PPFF, or CashApp. No notes or single emoji only.

Hey everyone,
I’m from Kansas and I’m planning to buy a property at a sheriff sale. I recently learned that some foreclosure properties that come up for auction might have liens, and the foreclosure process does not necessarily clear these liens or provide title insurance. I have a few questions and would appreciate any advice:
If I purchase a foreclosure property at auction and it has recent liens that the foreclosure process cannot clear, what are my options for dealing with these liens?
How can I research and identify any existing liens on a property before purchasing it at auction? Are there public records available in the county that I can access, or should I consult other sources?
Is it advisable to consult with a professional (such as a real estate attorney or title company) before bidding on a foreclosure property, and what specific services should I seek from them?
Thanks for any insights or tips you can provide!

Proof
Hey guys, trying to thin my collection a little and thought I would start off with the big guns. I've got some nice US Commems for sale, please look at the gallery here
If you want additional pics please let me know, the Hawaiian and Spanish Trail have PCGS trueview which are obviously high quality images.
NGC Norfolk MS67+ CAC - $800 (last CAC one I saw auctioned went for $960)
PCGS Spanish Trail MS65 -$SOLD
NGC Lafayette MS62 -$1200
PCGS Hawaiian MS62 -$2200
PCGS Antietam MS67 CAC -$1400
NGC Gettysburg MS66+ CAC -$1200
PCGS older holder 1915 Pan-Pac MS63 -$SOLD
Buy two get 5% off the total buy 3 or more get 8% off. Shipping is $10, signature confirmation is on me. We can figure out insurance if you want, but assume $1 per $100 of value. I can take Venmo, Paypal, or Zelle.
I'll gradually be auctioning off the entire set of US commems so if you're interested in any of the other ones let me know!

I'm getting my license on 5/28 and want to ride mostly for commuting in Tokyo (40 mins one way). I plan to move back home in January so I can either buy a used one and resell it, or rent it from MeRide. Anyone have experience with either of these?
My guess is if I buy used from like Bike Kan then try to resell on like Y Auctions the bike will have ended up costing between 100,000-200,000 yen. Does anyone have experience with selling used bikes here and how long/difficult that process is?
The rental from MeRide for 7 months is 283,360 including tax & insurance, and the shop it ships to is a 5 min bicycle ride from where I live.

I own the title to my car, now what?
A little under 2 years ago, I was in an accident that totaled my car. The situation is a bit confusing, but I am going to try to describe what happened as best as I can. I live in the city and my daily parking space is on a two way street where each side has extra room for parallel parking. The accident occurred when I was leaving for work one morning. I was maneuvering my car to leave my parallel parking position, when I was hit by a person coming down the same side of the street. They hit my front left wheel causing the axel to snap completely. The person that hit me called 911 and then we proceeded to exchange insurance information. I was issued a ticket at the scene by the police officer and both of our cars were towed to what the officer referred to as the “police impound lot” I reported the accident to my insurance company, however I only have liability insurance, so they did not help cover the cost of the accident. I decided to go to my court date instead of paying the ticket. When I went in front of the judge, they dismissed my case for lack of evidence and I went home without a ticket. During this time almost 2 months had passed and I called the tow lot that the police had towed me to, to try to figure out what was going on with my car. I was told that I had to pay $2000 + to get my car out or it would be getting sold at auction. I did not have the money at the time to pay to get my totaled vehicle out of the tow lot or to fix it. I was also stuck with paying the rest of the loan I had taken out for my car, which was about $6500.
All in all I felt very stuck and had no clue what to do. So, I have just been biking around the city and to and from work for about two years now while the loan was getting paid off. Which, as of this month has been done successfully and I received the title to my totaled car in the mail the other day and…. I just don’t know what to do with it.
I have the title and a paid off loan, but I have no car still and am currently working on saving for a new vehicle. Do I just store the paper away with my documents? Do I shred it? What do it do?…..

A little under 2 years ago, I was in an accident that totaled my car. The situation is a bit confusing, but I am going to try to describe what happened as best as I can. I live in the city and my daily parking space is on a two way street where each side has extra room for parallel parking. The accident occurred when I was leaving for work one morning. I was maneuvering my car to leave my parallel parking position, when I was hit by a person coming down the same side of the street. They hit my front left wheel causing the axel to snap completely. The person that hit me called 911 and then we proceeded to exchange insurance information. I was issued a ticket at the scene by the police officer and both of our cars were towed to what the officer referred to as the “police impound lot” I reported the accident to my insurance company, however I only have liability insurance, so they did not help cover the cost of the accident. I decided to go to my court date instead of paying the ticket. When I went in front of the judge, they dismissed my case for lack of evidence and I went home without a ticket. During this time almost 2 months had passed and I called the tow lot that the police had towed me to, to try to figure out what was going on with my car. I was told that I had to pay $2000 + to get my car out or it would be getting sold at auction. I did not have the money at the time to pay to get my totaled vehicle out of the tow lot or to fix it. I was also stuck with paying the rest of the loan I had taken out for my car, which was about $6500.
All in all I felt very stuck and had no clue what to do. So, I have just been biking around the city and to and from work for about two years now while the loan was getting paid off. Which, as of this month has been done successfully and I received the title to my totaled car in the mail the other day and…. I just don’t know what to do with it.
I have the title and a paid off loan, but I have no car still and am currently working on saving for a new vehicle. Do I just store the paper away with my documents? Do I shred it? What do it do?…..