When is it okay to file an insurance claim?

Jennifer McClelland | RSS | Mon, Sep 21 2009 | 2 Comments

Alright, so speaking from a quite personal experience, I was wondering when all you thought that it would be okay to file an insurance claim. The other day, Chris and I were at the grocery store when we realized that the car next to ours had hit the side hard enough to leave a dent in the side of the car. I, of course, was quite angry (because this is my car ). We filed a police report and I called State Farm about the dent and they said that if I took it to a repair shop it would be $200 due to uninsured motorists and they would cover the rest.

That’s all fine, but I know who damaged my car and I would really like for them to pay the deductible, not me! When it comes to parking lot accidents it seems like it is so easy to get away with damaging someone else’s car. In this case, my car was dented and the other car (no matter if I got their license plate number or not) got away with it without having to pay the uninsured motorist’s deductible.

I just hate that some thug-wannabes were able to scam my insurance company like that. I have told my insurance company about the car that I am SURE did this and they said that because there wasn’t enough “proof” they couldn’t do anything about it. That is complete and utter BS!!

I will promise something to the people who dented my car; If I EVER see your car again, I will do something to your car to where you will KNOW I spotted it and noticed it hanging out in a parking lot where I already was. Revenge is a … well you know.

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Tags: insurance company, investor, insurance

President elect Obama’s speech today from the Lincoln Memorial

Jennifer McClelland | RSS | Sun, Jan 18 2009 | 0 Comments

Today on the steps of the Lincoln Memorial in front of thousands President elect Obama gave a speech to the waiting crowd, here’s the transcript:

“I want to thank all the speakers and performers for reminding us, through song and through words, just what it is that we love about America. And I want to thank all of you for braving the cold and the crowds and traveling in some cases thousands of miles to join us here today. Welcome to Washington, and welcome to this celebration of American renewal.

In the course of our history, only a handful of generations have been asked to confront challenges as serious as the ones we face right now. Our nation is at war. Our economy is in crisis. Millions of Americans are losing their jobs and their homes; they’re worried about how they’ll afford college for their kids or pay the stack of bills on their kitchen table. And most of all, they are anxious and uncertain about the future — about whether this generation of Americans will be able to pass on what’s best about this country to our children and their children.

I won’t pretend that meeting any one of these challenges will be easy. It will take more than a month or a year, and it will likely take many. Along the way there will be setbacks and false starts and days that test our resolve as a nation.

But despite all of this — despite the enormity of the task that lies ahead — I stand here today as hopeful as ever that the United States of America will endure — that the dream of our founders will live on in our time.
What gives me that hope is what I see when I look out across this mall. For in these monuments are chiseled those unlikely stories that affirm our unyielding faith — a faith that anything is possible in America. Rising before us stands a memorial to a man who led a small band of farmers and shopkeepers in revolution against the army of an Empire, all for the sake of an idea. On the ground below is a tribute to a generation that withstood war and depression — men and women like my grandparents who toiled on bomber assembly lines and marched across Europe to free the world from tyranny’s grasp. Directly in front of us is a pool that still reflects the dream of a King, and the glory of a people who marched and bled so that their children might be judged by their character’s content. And behind me, watching over the union he saved, sits the man who in so many ways made this day possible.

And yet, as I stand here today, what gives me the greatest hope of all is not the stone and marble that surrounds us today, but what fills the spaces in between. It is you — Americans of every race and region and station who came here because you believe in what this country can be and because you want to help us get there.

It is the same thing that gave me hope from the day we began this campaign for the presidency nearly two years ago; a belief that if we could just recognize ourselves in one another and bring everybody together — Democrats, Republicans and Independents; Latino, Asian and Native American; black and white, gay and straight, disabled and not — then not only would we restore hope and opportunity in places that yearned for both, but maybe, just maybe, we might perfect our union in the process.

This is what I believed, but you made this belief real. You proved once more that people who love this country can change it. And as I prepare to assume the presidency, yours are the voices I will take with me every day I walk into that Oval Office — the voices of men and women who have different stories but hold common hopes; who ask only for what was promised us as Americans — that we might make of our lives what we will and see our children climb higher than we did.

It is this thread that binds us together in common effort; that runs through every memorial on this mall; that connects us to all those who struggled and sacrificed and stood here before.

It is how this nation has overcome the greatest differences and the longest odds — because there is no obstacle that can stand in the way of millions of voices calling for change.

That is the belief with which we began this campaign, and that is how we will overcome what ails us now.

There is no doubt that our road will be long. That our climb will be steep. But never forget that the true character of our nation is revealed not during times of comfort and ease, but by the right we do when the moment is hard. I ask you to help reveal that character once more, and together, we can carry forward as one nation, and one people, the legacy of our forefathers that we celebrate today.

Thank you, America. God bless you.

Source

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Tags: obama, public, dents

Saving GM (Chevy)? My opinion.

Jennifer McClelland | RSS | Sun, Jan 04 2009 | 0 Comments

I’ve heard a lot of ideas about how the government is bailing out GM and the other U.S. automakers, but I believe that perhaps they have the ability to save themselves. How?

Here’s how:

And I escaped that with a bruised knee.

I believe if Chevy or GM could market the safety of even the bottom of the line cars (see the wrecked Cavalier above) then perhaps people would be more willing to buy them.

They talk a lot about fuel efficiency or how some of the cars compare against Honda or Toyota…I just don’t think that’s the way to go. I couldn’t compare a Chevy to a Toyota (other than they are both cars). However, if they told stories (with pictures and testimonials) about how people escaped bad accidents (I was hit by an 18 wheeler) then maybe people would be more inclined to purchase the cars.

It wasn’t enough to entice me to purchase another Chevy, because I had too many problems pre-accident with the car to have to deal with it again.

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Tags: fuel efficiency, market, fuel