Recent comments in /f/jerseycity

Vertigo963 t1_j400exw wrote

No, you're right and the other takes are bad - it's not shady at all. Auto insurance is a predatory anti-consumer industry that seeks to use every piece of disclosed information as an excuse to raise coverage rates and/or decline to pay for repairs. No one should ever feel bad avoiding the auto insurance system or being careful with disclosures to an auto insurer.

Whether this damage can be excluded from the CARFAX report is a separate question; obviously, the OP doesn't look as good on that front.

EDIT: Lots of auto insurance enthusiasts downvoting in this thread. Anyone with any real experience with these companies knows consumers have to be very careful to avoid getting ripped off.

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TotoItsCallMtrRacing t1_j3zrbwu wrote

Do things the right way and get it repaired at a quality shop (yes they will most likely report it to CarFax). With that being said, damage will show as minor and as long as it was a quality job you won’t take as much of a hit in value. Believe me, people who will appraise your car in the future can tell if it’s been in an accident, regardless of the records and especially if you repair it at a shitty shop

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TotoItsCallMtrRacing t1_j3zqvji wrote

Typically most police reports aren’t reported to CarFax. I have fallen victim of several hit and runs in this area. The ones are CarFax happen to only be the ones that the damage was repaired by a shop and not myself. As far as the loss of value, that would be a waste of time. That would mean you’d be able to do this for every accident if you were not at fault, that typically isn’t an outcome

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Jadien t1_j3zpdxi wrote

If you take the light rail, someone is paying for your ride. If you're not paying for it, someone else is paying for it. You're taking money out of the pocket of people who bought their ticket.

You can buy tickets in advance, or on your phone. The paper tickets are very thin and you can keep one in your wallet if you need it, and replace it on your way out. So if you're on the train without a ticket, that's a preventable mistake. You can also rectify it by buying a ticket once you're on the train.

The absence of fare enforcement is a good thing if you don't abuse it. The light rail would cost more and be less convenient with more enforcement.

Posts alerting to fare enforcement help people who don't pay take money from people who do pay. And they send the message that it's okay to not pay.


If you're taking the light rail, presumably it's helping you. If it's not worth $2.25 to you, you're not missing much if you don't take it. If it is worth something to you, but people evade the fare, maybe it will cost more than $2.25, or run less frequently, or cease to function entirely.

There's nobody who can say what "fair" is. Either the tickets pay for the light rail, or there's no light rail. Nobody is forcing you to take it and nobody is getting rich from it.


The fare enforcement alerts should be banned just like a "unlocked house, free to rob" post should be.

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_switch360_ t1_j3zlptj wrote

Management has no obligation to fix or pay for your damage if someone random hit your car. You can put in with your own insurance, you’re not at fault - your insurance an alway sue management on your behalf and recover (if they think there is a claim) and get your deductible back.

I don’t see a claim against anyone other than the car that hit you. Sorry, but this is why you have insurance. Make a police report, it’s not your fault.

Also, take a breath, don’t stress, it happens. You buy insurance for this reason.

***hopefully you have collision.

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foot-trail t1_j3zkxml wrote

Lol thank you. To be fair, consistent riders pay $36 a month max, which is way cheaper than PATH (and light rail doesn't have pressure cooker bombs), and while it is outside most people's work schedules, if you ride the path between 2-4, you'll notice that there are a ton of kids coming home from school on the light rail, which replaces a lot of the costs of bussing and is a convenient source of transportation for families.

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