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Kobayashi posted:What? You already had the money. In fact, you went on to spend half of it on a bike. I blew the budget on the control arm/tire debacle. Someone else also backed into my car, which hasn't cost me anything yet. I had 200 dollars, the damage is worth four to six times that depending on the shop. The balance is what I'm concerned with at this point and I'm not very keen on going through insurance. How about we wait until I'm actually out the cost of the repair before we continue calling me an idiot? I don't know if I'm not explaining myself correctly or something, but there's a huge disconnect between the response in this thread and the response from people in real life. All of my friends think the situation is fine and I'm behaving normally regarding the dent. It sounds like you think I made a poor decision by buying a cheap road bike to cut fuel and running costs on my car. What do you think I should do instead? Does that mean that I should sell my bike as soon as possible and... Walk? Run everywhere? Pocket the bike cash into the e fund and go back to driving?
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Aug 22, 2012 16:26
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Your story doesn't make any sense Tuyop. Did you or did you not get money from the guy who hit your car? If you did not, what did you buy your bike with? Also if you did not, when are you going to get money from him? Why do you need to actually fix your dent? Why can't you get an estimate for the repair cost and then have the guy give you that amount of money? If he's not willing to do that, his insurance company will. Someone hit your car. That's not your fault. You deserve to be compensated. It should not be up to the other guy to decide how you are compensated. It's especially not up to him to decide that you have to tie up your own (meager) cash reserves until he gets around to paying for it. You said you bought your bike with the money you got from the dent. That apparently isn't true. Why did you buy a bike with money you didn't have yet? You are complaining that moving is going to cost money. Did you not anticipate this? Or are you just complaining that things cost money? You asked us to help you figure out how to pay for that. What do you expect people to say? Wish for the money you don't have and it might appear! I think you already know the answer. Either you don't spend the money (and don't move, I guess), or you do spend the money, in which case, you are either going to pull it out of your bank account/pockets/matress or you are going to have to get some money somewhere. Sell stuff, get another job, or borrow it. Should you borrow it? Of course not you are broke and in mountains of debt. But you already know what you're actually going to do. You're going to let this guy who hit your car walk all over you and in the meantime you've got no money to eat with. Your bike expense came out of your savings which you didn't budget for a bike (and you're going to be driving anyway). You're going to spend money moving and the only place you can get it is by running up your credit card(s) again. You're moving closer to your girlfriend and that's all that really matters to you, right? What is this thread for?
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Aug 22, 2012 18:00
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I'm more interested in why it seems Tuyop has to buy new tires every six months. I swear I've read about new tires several other times in here.
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Aug 22, 2012 18:01
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Leperflesh posted:Your story doesn't make any sense Tuyop. I'm pretty sure the guy who hit Tuyop's car gave Tuyop 200 bucks or so as a "down payment" on the car repairs. This is the money that got used on the bike. The guy then said "I'm not paying for the rest of the repair until you get it fixed. Then I will reimburse you." Presumably Tuyop thought that the guy would just give him cash for the repair job, and then he could pocket the cash (which would be the correct thing to do, since he is broke). Instead, the guy changed his story and decided "I won't pay you until I see a receipt from the body shop" because the guy is a poo poo bag. Now Tuyop is left in the position where he either lets the dent sit as-is and gets nothing beyond the $200 he has already received, or he gets it fixed and gets reimbursed for the cost, less the $200 he has already been paid. This would be more-or-less ok if Tuyop was staying afloat financially, but having to float the $600 or so while he waits for his idiot friend to pay him back may end up breaking Tuyop financially. Tuyop, by agreeing to this retarded car repair payment plan you are essentially offering your "friend" a 0% interest loan for the cost of the repairs, on a promise that he will pay you back at some point. Someone in your financial situation should not be loaning money to anyone. You should go to your friend with an estimate and have him pay the body shop directly if he is somehow worried about you screwing him over on the repair bill. If he has the money and intends to pay you, why would he not agree to this plan?
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Aug 22, 2012 18:18
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This is why I don't have friends.
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Aug 22, 2012 18:22
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Wait, hold on. His friend is not the rear end in a top hat for not forking the money over right away to Tuyop if I understand this correctly. The friend backed into his vehicle and as a way of saying sorry, he put down $200 with the promise of repairing the vehicle. Tuyop took the cash and pocketed it without caring about the damage to the vehicle. Tuyop is now expecting an additional $600-800 so he can pocket the difference instead of repairing the car. The friend does not want to put the money into Tuyop's pocket (and rightfully so!) and would rather see the money in the car repairs. Really, Tuyop is the rear end in a top hat here. Not the friend. Get an estimate and bring the friend to the repair shop to pay for the cost minus $200 and pay the rest yourself. You tool.
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Aug 22, 2012 18:34
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quaint bucket posted:The friend does not want to put the money into Tuyop's pocket (and rightfully so!) and would rather see the money in the car repairs. Why the hell not? When someone ran into my truck (and fled the scene and was not caught), my insurance company got an estimate of the damage and cut me a check. It was up to me to decide whether I wanted the money or to repair the truck. Why should it be up to Tuyop's friend how he decides to use the compensation? His responsibility is to "make him whole." This is what the guy's insurance company would do. Tuyop is already doing his buddy a favor by allowing him to settle this without an insurance claim. He doesn't need to do him additional favors by fronting the expense of the repair, and then actually getting the repair done, rather than accepting cash settlement.
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Aug 22, 2012 18:40
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quaint bucket posted:Wait, hold on. His friend is not the rear end in a top hat for not forking the money over right away to Tuyop if I understand this correctly. Whether Tuyop uses the money to repair his car or he uses it to pay for his move, the friend still caused $800 worth of damage, which he owes to Tuyop. Tuyop isn't an rear end in a top hat for asking to be made whole just because he has higher priority expenses than repairing a small ding on his car; Tuyop desperately needs the money for other purposes. It shouldn't make a difference to the friend how the money gets spent. Either way, the friend has paid out $800 in compensation for the $800 in damages that he caused.
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Aug 22, 2012 18:43
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Leperflesh posted:Why should it be up to Tuyop's friend how he decides to use the compensation? His responsibility is to "make him whole." This is what the guy's insurance company would do. Don't fool yourself into thinking Tuyop is doing his buddy a favour not going through the insurance company. The buddy would have the option of either letting the insurance company pay for it (and consequently his insurance company would make him pay through premiums) or pay out of pocket to Tuyop. The only difference is that the insurance company would look out for Tuyop and his buddy to make sure nobody got screwed in the process. Make him whole, my rear end. The money was for the repairs, not for Tuyop's constant screw ups and "bad luck."
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Aug 22, 2012 20:05
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quaint bucket posted:Make him whole, my rear end. The money was for the repairs, not for Tuyop's constant screw ups and "bad luck." No, the money is for the damage to the car. If this had gone through insurance, as it should have, the friend wouldn't have the right to dictate how Tuyop spends his insurance payout. Doing it informally doesn't give him any additional rights (but he seems to think it does, which is exactly why avoiding insurance is a bad idea for Tuyop).
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Aug 22, 2012 20:20
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Leperflesh posted:You are complaining that moving is going to cost money. Did you not anticipate this? Or are you just complaining that things cost money? You asked us to help you figure out how to pay for that. What do you expect people to say? Wish for the money you don't have and it might appear! I think you already know the answer. Either you don't spend the money (and don't move, I guess), or you do spend the money, in which case, you are either going to pull it out of your bank account/pockets/matress or you are going to have to get some money somewhere. Sell stuff, get another job, or borrow it. tuyop posted:July was a brutal loving month. My savings were decimated. A dude ran into my car, almost all of my efforts to save money - including biking to work and getting a second job - were defeated by the cosmos. I also moved to a place closer to work and had a bit of a mental breakdown. Consequently, I'm being posted to Borden (Toronto-area) in September. Dates aren't firm, but I expect to be out of here by 10 Sept. I have pretty much no idea what will come of this financially. Housing costs in Angus (the "G" is silent) and Alliston are inflated because of the nearby base, but the girlfriend/fiancee/toeshoes and I are looking and it looks like we should be able to find a room or apartment for 250-350/month. I can also start going to school next May (for free, probably) and getting on with my loving life. I'm somewhat under the impression that he doesn't really have a choice to move, and it's not to be closer to his girlfriend, that just happens to be a perk. This is something he cannot control.
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Aug 22, 2012 20:52
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tuyop posted:Well when the options are: Except that in (1) you have a pile of cash that can be spent on things such as moving expenses or perhaps even food that is considered safe for human consumption. Do you really need to have other people to explain to you why it's better to have $800 in cash rather than sunk into a car that you can't sell?
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Aug 22, 2012 21:06
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Badger Pudding posted:I'm somewhat under the impression that he doesn't really have a choice to move, and it's not to be closer to his girlfriend, that just happens to be a perk. This is something he cannot control. Well if he's being posted, the CF pays all of his moving costs and gives him all kinds of fat cash. Am I missing something here, because generally moving with the CF is quite profitable.
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Aug 22, 2012 21:28
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CanadianSuperKing posted:Well if he's being posted, the CF pays all of his moving costs and gives him all kinds of fat cash. Am I missing something here, because generally moving with the CF is quite profitable. No longer the case since 6+ months ago. It was only profitable if you deliberately overestimate the amount of stuff you're moving so you can pocket the difference.
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Aug 22, 2012 21:57
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quaint bucket posted:Wait, hold on. His friend is not the rear end in a top hat for not forking the money over right away to Tuyop if I understand this correctly. As mentioned earlier Tuyop you seem to have the worst luck, though some of it does seem self made.
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Aug 23, 2012 06:34
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Yeah, I can understand looking like the bad guy if you think that the repair only costs 200 dollars. It doesn't. The repair is worth at least 800 dollars, two shops said 1025 and 1215, actually. He's going to send me an additional 300 bucks next week, then the total of the balance once I get the repair done. I'd still really rather have the cost of the repair, but that doesn't seem to be an option with this guy. Short of going into the past and filing a police report and poo poo, I guess not having a dent is the best that I can hope for from this situation. It's still money when I sell the car, the difference is just two weeks less time saving or paying off debt, not that big of a deal. Regarding my move, I think my posting status is very prohibitive, I'm getting the message today or tomorrow so I'll know more then. At this point I just have to clear out of base and pack up my things. I'm pretty sure I figured out how not to spend 500 bucks on this move. It's like that wolf, sheep, cabbage game except that my computer is not going to eat my coffee maker if I leave them alone.
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Aug 23, 2012 12:45
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tuyop posted:Yeah, I can understand looking like the bad guy if you think that the repair only costs 200 dollars. It doesn't. The repair is worth at least 800 dollars, two shops said 1025 and 1215, actually.
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Aug 23, 2012 14:14
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No kidding. This is why you pay for insurance, Tuyop. This is how it works. You may not even have to report it to the police first. Go to your insurer, tell them what you know, and ask them if they need you to file a police report in order for them to pursue a claim. Give them your estimates, tell them you've been given $200 toward it and would like the balance in a cheque so you can take care of the damage yourself. They may want to send you to a garage affiliated with them to get their own estimate, but it's still likely to be higher than $500 even if it's not as high as the estimates you have. This guy's being shady as gently caress and you're not obligated to do him any favors to keep his premiums down. He ran into your car. (Is he trying to avoid the insurance route because he was drunk when it happened? You mentioned it was after a party.)
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Aug 23, 2012 15:42
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bombhand posted:(Is he trying to avoid the insurance route because he was drunk when it happened? You mentioned it was after a party.) Ding ding ding! We have a winner! Ok, I don't know for sure, but I'd bet money that it's the case. I get trying to do your friend a favor, but you can't do it at the price of loving yourself over. Call him, explain the situation to him ("you've caused X$ worth of damage to my car, please send me a cheque for X-200$.") and if he won't cooperate, welp, call your insurance. Friends help friends kind of assume that the helping goes both ways.
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Aug 23, 2012 16:50
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tuyop posted:He's going to send me an additional 300 bucks next week, then the total of the balance once I get the repair done. I'd still really rather have the cost of the repair, but that doesn't seem to be an option with this guy. Short of going into the past and filing a police report and poo poo, I guess not having a dent is the best that I can hope for from this situation. It's still money when I sell the car, the difference is just two weeks less time saving or paying off debt, not that big of a deal. Just to be perfectly clear about this: -If you went through an insurance company, they would cut you a check for the value of the repairs and you could do whatever you want with it. -You are trying to do him a favor by not going through insurance companies. -In return, he is saying that he'll give you part of the value upfront, and the rest after you get repairs (he won't). If you want the cash and not the repair (which you should), I don't even get how this is a dilemma. Your stance shouldn't be: "he won't pay me unless I get the repair, so I have to get the repair." It should be: "Unless he pays me, I'll go through insurance." You are going to put your car in for repair and then not be able to afford the bill because he is not going to pay you. That is what is going to happen.
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Aug 23, 2012 21:28
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You don't understand. The value of friendship is stronger than the dollar and life crushing debt. You just don't understand.
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Aug 23, 2012 23:08
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Yeah, don't you see how well tuyop has been doing up till now by not listening to advice here? And like he said, his echo chamber oops I mean real life friends are all telling him it's okay.
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Aug 24, 2012 04:42
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My favorite part of tuyop's thread has been his lame justifications of "my family/peers/hometown is as bad off as I am, so I can't possibly be that bad off"
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Aug 24, 2012 19:56
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Ah yes taking free financial advice from people that are heavily in debt. Yes that's a well considered idea.
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Aug 24, 2012 21:08
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I don't even understand people's reluctance to file insurance claims against friends. I mean, this is precisely why we pay premiums, to spread out risk. Let's say this gets reported and the repairs cost $1200. The person's premium may go up like $50-$100/year. So it would take 12 years of increased premiums for him to be out of pocket $1200. I am pretty sure $1200 today is worth more than $1200 12 years from now. He is actually worse off by choosing this path, all in the name of keeping premiums low. Hell, even if his I durance goes up $200/year, he is still better off.
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Aug 26, 2012 17:30
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archangelwar posted:I don't even understand people's reluctance to file insurance claims against friends. I mean, this is precisely why we pay premiums, to spread out risk. Let's say this gets reported and the repairs cost $1200. The person's premium may go up like $50-$100/year. So it would take 12 years of increased premiums for him to be out of pocket $1200. I am pretty sure $1200 today is worth more than $1200 12 years from now. He is actually worse off by choosing this path, all in the name of keeping premiums low. Hell, even if his I durance goes up $200/year, he is still better off. In his defense I don't think Americans understand how much more we pay in insurance in Canada and how sensitive our rates are. I have a six year spotless insurance record, university degree (there's a discount for this), and drive a 1993 Volvo, and my rates are like $1500 a year. If I got in an accident that could easily double.
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Aug 27, 2012 18:14
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Corrupt Cypher posted:In his defense I don't think Americans understand how much more we pay in insurance in Canada and how sensitive our rates are. I have a six year spotless insurance record, university degree (there's a discount for this), and drive a 1993 Volvo, and my rates are like $1500 a year. If I got in an accident that could easily double. New Brunswick has really low car insurance rates compared to the rest of the country, I think the average is like $700 a year or something. The counter argument is you have to live in New Brunswick to get those low rates.
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Aug 27, 2012 18:37
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HookShot posted:The counter argument is you have to live in New Brunswick to get those low rates. Better than Manitoba.
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Aug 27, 2012 20:35
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quaint bucket posted:Better than Manitoba. People live in Manitoba?
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Aug 27, 2012 20:38
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quaint bucket posted:Better than Manitoba. Though of course this brings up a new expense: when Tuyop moves to Ontario his car insurance premiums are probably going to double since he's now moving to the province with the highest car insurance rates in Canada.
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Aug 27, 2012 20:38
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I wouldn't wish Manitoba on my worst enemy.
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Aug 27, 2012 21:48
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Got paid for the dent, 850 bucks, August update on the way tonight or tomorrow! Serious edit: Actually you guys really helped with this, I didn't know the whole insurance procedure or that I was entitled to a straight cheque under normal circumstances. I would say that the "make whole" terminology was particularly useful in bringing the dude who backed into me and me to the same place. So thank you very much! tuyop fucked around with this message at 17:28 on Sep 7, 2012 |
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Sep 7, 2012 17:10
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Every time I'm ready to just completely give up on you, tuyop, you go and actually listen to someone (after a lot of sass that implies you won't) and then I have to stay subscribed.
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Sep 7, 2012 19:25
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 Guys, why does this stuff keep happening to me? Called my local glass place, it's like 625 to repair. Obviously this has to happen soon.
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Sep 17, 2012 13:27
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tuyop posted:
You've got bad carma. You really should look into buying a horse instead.
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Sep 17, 2012 13:30
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This is approaching schleprock levels of lovely luck.
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Sep 17, 2012 14:00
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Tuyop, have you considered remaining completely stationary? It's become clear to me that the universe simply does not intend for you to transport yourself anywhere.
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Sep 17, 2012 14:16
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tuyop posted:
Isn't this covered in your insurance? You shouldn't have to spend more than $300 deductible through your comphrensive insurance.
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Sep 17, 2012 14:50
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quaint bucket posted:Isn't this covered in your insurance? You shouldn't have to spend more than $300 deductible through your comphrensive insurance. Yes, but my deductible is 1000 dollars. I called them.
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Sep 17, 2012 16:05
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tuyop posted:
What exactly happened? It looks like an elephant sat on your car.
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Sep 17, 2012 16:23
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