First of all, I'm sorry that you had a bad experience with that claim. Auto accidents are never fun to deal with. The goal of a good claims rep should be to do what they can to put the customer at ease and work to get the claim settled fairly and efficiently.

For the most part, the adjusters I deal with at other companies do work in good faith to settle their claims. Insurance adjusters are held to a high ethical standard. At most of the larger carriers (with some exceptions), the ethical standards are quite high. Otherwise, they would be sued right out of business.

There are certainly some bad companies out there and some bad adjusters out there. There are a few smaller companies in Texas and California that I can think of that have particularly bad practices--I'm not sure why the Texas and California DOI's haven't shut them down.

That said, the obligation of an ethical insurance adjuster is to pay what the company owes. No more, and no less. Paying less than what is owed, or stonewalling, delaying, or otherwise acting in bad faith, is certainly unethical. But it is also unethical to overpay claims--to pay out on coverages that have not been purchased, for example, or to pay more than what the claim is worth. Personal lines insurance companies operate on very slim margins. If we consistently overpay on claims, then it will come back to our customers in the form of higher premiums, which could result in losing customers and perhaps the business being closed.

I'm not sure what you're talking about with regard to Florida's Uninsured Motorist laws. They're pretty similar to the UM laws in most other states. There's not a lot of variation there. Florida is a no-fault state, so you do have to file under your Personal Injury Protection first. (Which blows. No-fault laws just make your premiums more expensive.)

http://lyricstranslate.com/en/papaoutai-papaoutai.html

Papa, where are you?

Tell me where he came from
Then I'll know where to go
Mama always says when we look really hard
We'll find what we've lost

She says he is never very far away
He often heads off to work
Mama says working is much
Better than being in bad company
Not true?

Where is your Papa?
Tell me, where is your Papa?
Without you having to tell him,
He knows what's hurting you.
Hey damn Papa,
Tell me where you're hiding!
I must have counted at least
A thousand times, to ten
Hé!

(alluding to hide-and-seek game)

Where are you? Papa, where are you?
Where are you? Papa, where are you?
Where are you? Papa, where are you?
Where are you, where are you, Papa, where are you?

Where are you? Papa, where are you?
Where are you? Papa, where are you?
Where are you? Papa, where are you?
Where are you, where are you, Papa, where are you?

Even, whether we believe it or not
There'll be a day we'll believe it no more
One day or another, we'll all be the Papa
And from one day to another, we'll also have vanished.

Will we be hated?
Will we be loved?
Forefathers or geniuses
Tell us...who gives birth
To irresponsible men?!

Come on, tell us who does?
Everyone knows
How babies are made
But no one knows
How fathers are made
Mister Know-it-All,
It's in our blood, that's it.

Should I suck this out of my thumb or what?
Tell me where I can find the answer.
It must be at least a thousand times that
I've sucked my fingers dry.
Hey!

Where are you? Papa, where are you?
Where are you? Papa, where are you?
Where are you? Papa, where are you?
Where are you, where are you, Papa, where are you?

Where are you? Papa, where are you?
Where are you? Papa, where are you?
Where are you? Papa, where are you?
Where are you, where are you, Papa, where are you?

Where is your Papa?
Tell me, where is your Papa?
Without you having to tell him,
He knows what's hurting you.
Hey damn Papa,
Tell me where you're hiding!
I must have counted at least
A thousand times, to ten
Hé!

Where is your Papa?
Tell me, where is your Papa?
Without you having to tell him,
He knows what's hurting you.
Hey damn Papa,
Tell me where you're hiding!
I must have counted at least
A thousand times, to ten
Hé!

Where are you? Papa, where are you?
Where are you? Papa, where are you?
Where are you? Papa, where are you?
Where are you, where are you, Papa, where are you?

Where are you? Papa, where are you?
Where are you? Papa, where are you?
Where are you? Papa, where are you?
Where are you, where are you, Papa, where are you?

Good message. Bad company. I guess I can upvote.

1970's, jean jacket, Bad Company hits FTW.

thats Bad Company 2: Vietnam

Tons of fun, provided the games don' suck. Bad Company 2, for example. What a shit game.
>> ^xxovercastxx:

As wargames become more and more pseudo-realistic, I'm left to wonder how people who've seen actual combat feel about people simulating it for fun? It's got to at least be a little weird, sometimes.
@MarineGunrock? Others? I'm sure there's plenty of vets on the sift, but MG's the only one I know of, specifically.

>> ^budzos:

Williams is also known to have been a hardcore sniper in BF2. No shit.


Yep -- http://www.google.com/searchq=robin+williams+battlefield ... I think I got sniped by him. Dang snipers!!!!!!! I'd love to see him play in person. He should be working for EA to sell BF3, Bad Company 2, etc.

So, is she single and available?

I rarely down vote, but this is just a commercial that I feel does not actually yield any value. Also, their game is laggier than Bad Company 2.

Yet another pretty looking game that has no idea about, or completely skimped on sound quality. Boring, generic music and gunfire sounds clearly engineered in studio, which probably didn't even come from actual firearms. Looks like Battlefield: Bad Company 2 remains the gold-standard for audio in a shooter.

By the way, from the looks of the 'gameplay' on show here, I'd say it's going to be as interactive as this trailer.

graphics look nice but , to much shit bloom and contrast its like 90s games and lens flair all over again , also the actual game play shown so far looks utterly retarded and bland kind of thing that works well in a film but in a game just feels dead and robotic especially if your the type of player that likes to "play" a game thats presented as an open game but is in fact a linear on rails shooter.

With any luck the multilayer will be open like it was in bf 1942 , or the give modders the tools so people can make a good game of it instead of having something that plays like a shallow console shooter.

I dont have annything against console shooters , but the whole USP of Bf was big maps vehicular combat with time and space for tactics , Games like COD do the corador shooter stuff just fine.

Just hope this plays more like BF1942 and less like bad company , bf1943 on 360 was actualy quite good and seemed to mix the new stuff well with the old stuff.

but in llikelyhood this will turn out to be another dulled down pc game to make it work well for console , Ill defintly get it on day 1 Evan though bad company 2 was a bit dull compared to original bf games still a pretty solid game and at least the net-code works in the new frostbite engin, and im sure bf3 will be the same.

on final note , The sound is fantastic so at least they got that right 10 points to the sound designer lol actually more excited about the sound design than the rest of the game.

>> ^mentality:

>> ^Darkhand:
After having a really bad experience with Bad Company 2 and their poor hit detection I do not have much faith in EA/DICE

I heard the hit detection was already much improved in BC2 Vietnam. Just what was so bad about it anyways? Didn't notice anything amiss except maybe during close quarters knifing.


Myself and my friends did. It's not constant but I would experiencing hit box errors. Where I know I'd have my reticle on someone and they would not get hurt. It's very frustrating.

Plus there were a few exploits an balance issues that never got patched.

I'm not saying I'll never buy battlefield 3. But I will wait a while to make sure they are doing their job with support and balance.

I never noticed this. BC2 was a great multiplayer game on the PC, I think.
>> ^Darkhand:

The game looks good but I'm not buying until the multiplayer has been out for a while and it drops another $10 (Not paying $59.99 for this game).
After having a really bad experience with Bad Company 2 and their poor hit detection I do not have much faith in EA/DICE

>> ^Darkhand:
After having a really bad experience with Bad Company 2 and their poor hit detection I do not have much faith in EA/DICE


I heard the hit detection was already much improved in BC2 Vietnam. Just what was so bad about it anyways? Didn't notice anything amiss except maybe during close quarters knifing.

The game looks good but I'm not buying until the multiplayer has been out for a while and it drops another $10 (Not paying $59.99 for this game).

After having a really bad experience with Bad Company 2 and their poor hit detection I do not have much faith in EA/DICE

This reminds me of the awesome cutscenes for MWII. Or the latest Medal of Honour... Or Bad Company 2, or COD:Black Ops etc etc. When you actually get in game, same old shit, at least irt the single player game.

Here's hoping BF3 doesn't traipse down the same path.