[Onurleft]

Ah these S65 alpha-n Z4 GT3 cars sound glorious in the field

[ucosta]

A very unfortunate situation. This dude hit me when i was trying to avoid his already big mistake of getting on the road without seeing me coming. He's car is not registered and he didn't have insurance. Just great.

[Yodaime]

Ucosta! FKKKK You got rims for it too man. How does this work in that situation? you end up paying for your own shit? thats fcked up.

[Mkah]

I'm sorry to see that. I hope everything works out for you. Makes me realize how unsafe the WW tank can be for certain chemical compounds (CH3OH).

[Onurleft]

Wow what a shame

Thank god you are o.k though and that you got the guy who hit you. His life just got miserable

[Bakeme521]

holy crap bro, sorry to see that....

[Sara]

Boys ... check your insurance right now. I see this everyday at work. Make sure you guys all have UM (uninsured motorist) Bodily Injury and Collision. That way you wont have to pay out of pocket when its not your fault.


Costa you have more patience than I do. If someone did that to my car, the attorneys I work for would have to bail me out of jail for beating that guys ass.

[shaq diesel]

Originally Posted by Sara504

Boys ... check your insurance right now. I see this everyday at work. Make sure you guys all have UM (uninsured motorist) Bodily Injury and Collision. That way you wont have to pay out of pocket when its not your fault.


Costa you have more patience than I do. If someone did that to my car, the attorneys I work for would have to bail me out of jail for beating that guys ass.

+1

UM, if I remember correctly, covers both un-insured and under-insured motorist for both medical and personal property damge (or you can modify the policy to reflect such).

If you have a car worth well more than the state minimum coverage ($10K) and you don't like waiting months to years of suing someone and waiting for them to pay to get your repair costs back this is very valuable.

Just remember, someone with state minimum coverage the insurance is only liable for that coverage amount. It is your responsibility to carry coverage (medical and personal property) that will "make you whole" if you get into a wreck. If not, you're gonna have to fight for your money (assuming you'll even get it).

[Sara]

Originally Posted by shaq diesel

+1

UM, if I remember correctly, covers both un-insured and under-insured motorist for both medical and personal property damge (or you can modify the policy to reflect such).

If you have a car worth well more than the state minimum coverage ($10K) and you don't like waiting months to years of suing someone and waiting for them to pay to get your repair costs back this is very valuable.

Just remember, someone with state minimum coverage the insurance is only liable for that coverage amount. It is your responsibility to carry coverage (medical and personal property) that will "make you whole" if you get into a wreck. If not, you're gonna have to fight for your money (assuming you'll even get it).

UM in the state of Louisiana for property damage is a PITA. You have to get an affidavit and all this other shit. Having UM for bodily injury is a must but please do not have UM for property damage. Make sure you have collision instead of UM property damage. That way you dont have to go through the dmv and get affidavits and all this other stuff to slow you down.

[Sara]

Louisiana state minumum is 15,000/30,000 per accident.

Someone hits your 60k car. You better hope your insurance is going to cover the rest.

I personally have 100,000/300,000 and I dont think thats enough. Im consider uping that to 250,000/500,000

[shaq diesel]

Originally Posted by Sara504

UM in the state of Louisiana for property damage is a PITA. You have to get an affidavit and all this other shit. Having UM for bodily injury is a must but please do not have UM for property damage. Make sure you have collision instead of UM property damage. That way you dont have to go through the dmv and get affidavits and all this other stuff to slow you down.

OK, so maybe it wasn't explained to me correctly...

I was told that UM has two sub levels.

1) Medical - Covers medical injury costs greater than what the other person has covered. So if the person who hit you has minimal or no medical insurance coverage, the medical coverage of you UM policy will cover you and those in your vehicle.

2) Property - Covers collision damage that costs greater than what the other person has covered. So if they have minimal or no coverage then the UM policy would cover your repair costs.

Is that right (or close)?

[Sara]

Originally Posted by shaq diesel

OK, so maybe it wasn't explained to me correctly...

I was told that UM has two sub levels.

1) Medical - Covers medical injury costs greater than what the other person has covered. So if the person who hit you has minimal or no medical insurance coverage, the medical coverage of you UM policy will cover you and those in your vehicle.

2) Property - Covers collision damage that costs greater than what the other person has covered. So if they have minimal or no coverage then the UM policy would cover your repair costs.

Is that right (or close)?

Yes that is correct HOWEVER... you do not want to have UM for PROPERTY damage. You NEED to have it for bodily.

Having UM property is the worst thing. (but its better than not having anything) It takes sooooo much longer there is so much more paperwork involved and steps and procedures to go through to get your car fixed. You NEED to have "Collision" instead for PROPERTY damamge. In the state of Louisiana collision will take care of your car if an uninsured motorist hits you.

[shaq diesel]

Originally Posted by Sara504

Yes that is correct HOWEVER... you do not want to have UM for PROPERTY damage. You NEED to have it for bodily.

Having UM property is the worst thing. (but its better than not having anything) It takes sooooo much longer there is so much more paperwork involved and steps and procedures to go through to get your car fixed. You NEED to have "Collision" instead for PROPERTY damamge. In the state of Louisiana collision will take care of your car if an uninsured motorist hits you.

Ah, gotcha! Thanks for that info!

[Projekt_BooGie]

THATS SUCKS!!!!!!! I'm sorry to hear that man.

[turbo335i+545]

Costa my brother let me get that nice ol motor off u

[str8nm]

Originally Posted by ///M 95

Yup

Where are the mid cats located? That would mean my 335is has four cats?
SSD (sorry so dumb)

[Bakeme521]

Originally Posted by str8nm

Where are the mid cats located? That would mean my 335is has four cats?
SSD (sorry so dumb)

Yerp all the 335s have 4 cats, one in each DP and then one in each midpipe too.

[Mkah]

Originally Posted by str8nm

Where are the mid cats located?

about 12" after the downpipes.

[Bakeme521]

Originally Posted by ///M 95

about 12" after the downpipes.

I say more like 27.2" but that's just me.

[Mkah]

Originally Posted by Bakeme521

I say more like 27.2" but that's just me.

Your opinion doesn't matter here.

[str8nm]

Originally Posted by ///M 95

Your opinion doesn't matter here.

Why does this shit always happen when guys start talking about their downpipes!

[Bakeme521]

Originally Posted by str8nm

Why does this shit always happen when guys start talking about their downpipes!

haha bc grant doesn't know how to be wrong. but its at least a 2 foot section of pipe after the DPs before the mid cats.