Colorado B.S. Thread

Hand painted wood emblem anyone? Doing a co flag on this. Should be interesting.

 

Anyone have a personal umbrella insurance policy? Pro's, cons? Worthless or not?

I went in to verify insurance stuff and they were pitching it. Havent had time to think about it much. $1mil for $15/mo or so. I was confirming that they'd cover everything on the truck if it happened to roll off a cliff, which they said they would with receipts, just minus depreciation.

 

Can't do a mod without someone heckling

I have a covered parking spot to do it in but someone else might have a better area. See below....

Thank you Gramps. I will know more tomorrow hopefully after I have it in my posession. And will post pictures

 

I would, but am going out of town this weekend.

Now that i just installed mine by myself i highly recommend having an extra set of hands.

 

I have one that costs me about $185 annually. More so it's to cover me on issues around the house more then my truck. It's not a bad piece of mind thing for me.

 

All done installing my pelfreybilt bumper

now i just need a light bar and fog lights lol

 

yes, i have one as well. if its worth it or not all depends on your current policy. since i ride a motorcycle, it was well worth it for me to have. here in co my motorcycle policy is 250k. whereas in california i could have 500k. so i opted for an umbrella. i have been rear ended twice on my bike resulting in 3 surgeries and lots of med bills. when someones elses insurance runs out, the umbrella kicks in. but each person is different so you need to find at which point it worth it to you.

 

Hey my colorado compadres. Just so you all know I am no longer a resident of the front range. I am now up in steamboat. I will be down there from time to time though.

 

Gotcha. That was my main interest as far as what it might cover. I don't have a motorcycle YET.

So it'll cover medical stuff? I'm currently stuck with a worthless donation to Obama's "insurance" plan, so id be better off uninsured... If i was allowed to be.

 

@3378jakesr5

Where's that thread about the bed rail stiffener things?

I was looking at mine, and the gap between bed and tailgate seem to be wider than i think they should. :/

 

Hey I'm getting my recovery bar this week I'd like to help so I know what I have to do to get my bumper off and back on..
Not just for heckling purposes!!

 

We gave up on that as we could only get 10-15$ off and i can just build a set for about 40$ so it was not worth it for me to pursue it any further.

 

Guys some one copied our idea...

 

Go back to sleep your drunk!

 

You're

 

High

 

No i wish i could be drunk right now. 2 exams in physics two and calc... This will suck.

 

an umbrella is just that, it covers everything. so when your original policy ( or someone elses policy) reaches its limits, the umbrella will kick in, regardless of what needs to be paid. when i got rear ended on my bike, i know my laywer went after my own policies because we far exceeded the other vehicle owners policy. had to have back surgery and shoulder surgery, so first it was my uninsured/underinsured motorist policy and then it was my umbrella. basically the umbrella covers all your policies providing extra coverage if needed.

 

question for LEO and Lawyers...

got a red light photo ticket recently. it was at 6th and kalamath heading into work.

thing is, i know it was yellow when i entered then turned red when i was passing through.

my understanding was, you can enter/be in the intersection when it's yellow and clear the intersection...

with these photo tickets and red light infractions, are they worth fighting? i think it's BS as i was in the intersection before it turned red, but I have no way to prove it.

do these tickets add any points? will it effect/be reported to insurance?

thanks

 

You can ignore it. The photo tickets don't add points and they don't go to insurance.

They also are dropped if after x amount of time (30 days after you receive the violation, I believe) AND you do no get served in person by a police officer. They get enough revenue from people that willingly pay them that I doubt they serve anyone in person. If you do get served, they tack on extra fees.

Source: I know I had at least 3 photo radar tickets many years ago. I called the City of Denver office when I was getting a mortgage approved, to make sure they didn't go to collections or anything like that. The clerk told me the above information.