The vibraphone wants a word. Lionel Hampton is spinning in his grave.

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What are the bad faith laws in the US like? In my province (BC) here in Canada the courts would publicly flay you for such blatant bad faith coverage. When I worked in insurance we had regular seminars with the lawyers on bad faith; the punitive damages can be (intentionally) ruinous to insurers.

Here in BC, wine is one of our biggest industries. Winter killed off 99% of our vines. They have been given money to replant and survive, but we might be looking at the end of a major industry if these cold snaps are going to be an annual thing. And it’s not like you can just replant and go on as normal, this will take multiple growing seasons to recover. These are some of the best spots for summer seasonal work and a big part of BC tourism, it could all evaporate.

You are warned about this very prominently when you leave the ship. With the exception of the medical emergency, it’s the passengers’ fault. I’m disabled too, I had a tour go overtime, we made them cut it short because we didn’t wasn’t to be in the exact situation described in the article we were amply warned about.

Your reach and mass are doing you way more favours than vulnerabilities in a violent situation.

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Don’t cheap out. Buy a good one or you’ll end up spending more constantly repairing the cheap one.

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Remember when every billionaire apologist was telling us how no one would do shit like this when net neutrality was being gutted?

“It is impossible for me to leave”

“ThEn YoU ShOuLd LeAvE!”

Are you illiterate?

African wildlife live cams. Nautilus Live is on the off season, so I turned to the Namib Desert for my background watching. I just watched a Hyena piss in a watering hole to fuck with a jackal. An hour later a gemsbok shows up, sniffs the water, and runs away at full speed.

https://www.youtube.com/live/ydYDqZQpim8

https://nautiluslive.org/

$300. I am on disability so my income is tiny. I’ve just moved into a shitty old house with a bunch of strangers and still spend more than half my income on rent, but I’m finally not losing money every month. $300 would give me just enough buffer to put my head above water and keep it there.

If your medical situation impacts your life in any way, that’s a disability. Being short sighted is a disability, having chronic diarrhea or headaches is a disability. Having a disability and being disabled should be the same thing in common speech, but confusingly, it is not. You are disabled if you experience significant barriers to everyday life because of medical circumstances. If you believe that’s you, then you are free to identify as disabled.

Another confusing wrench is governmental disability designations. The definition changes from region to region based on politics, not medicine. This is only a metric of whether or not you require the services available to you in your region. It is not your identity and does not mean you are not disabled or don’t deal with disabilities just because some underfunded ministry rejected your application.

So in short, you get to identify as disabled if you feel the label is helpful, it’s not something doctors use because any medical impediment is a disability. It’s more a social term than a medical one.

Any health issues that affect your ability to do “normal” things is a disability, no matter how severe, but using the term ablist at people is counter productive. It’s a great term for describing types of behaviors and attitudes, but it’s not productive in a real life ablist encounter. It just makes them defensive and deaf to reason. Work with them to create knowledge and understanding, don’t oppose them or accuse them, offer friendly insight into your life. If they accept it, great, if not, move on. You can’t control others, don’t stress about it.

That said, I’m not sure what you mean by “not recognized”. If it’s a medical issue of any variety, it’s recognized somewhere in the DSM. But it is very popular, especially among young people, to self diagnose and go on as of it’s a sure thing. There are crap doctors out there, so one should seek as many opinions as needed, but until a physician diagnoses it, it is ablist to coopt disabilities and misresent what being disabled actually is based on a hunch. The way to act in this situation is to say “I think I might have x, but I haven’t gotten a confirmation yet” or something. Totally fine. But saying “I have x” when no physician has told them so is lying to others and themselves for their own ego.

If someone were to make up diseases not recognized by the DSM and claiming it’s a disability, this is just as ablist.

I am on permanent disability, unable to work, with severe mental health shit. I live in Canada. If you want more info, feel free to dm me.

Using incel rhetoric to justify a murder is absolutely political and ideological.

Here in BC we have a minimum of $200,000 liability insurance. We don’t separate based on property or injury, 200k covers all. But only low income drivers stop at 200K, $3Million is the most common liability amount. If you end up accidentally crippling a kid, you will require every penny that 3million. We don’t advertise our insurance at all. Insurers must have a reserve on hand to cover every single policy plus 10 million, I’m not sure what those numbers are in the US, it wouldn’t surprise me if they were much more lax. The Insurance Act of BC is a beautiful piece of legislation with the insured’s best interest in mind, not the insurer’s shareholders.

Yeah, insurance is a fundamental, necessary piece of civilization and has existed since before Hammurabi. But it has also been abused by profiteers since then too, and it’s not always easy to tell the difference. In a cut-throat, free market, capitalist driven economy, the incentive is to cover nothing for high premiums. A scam, essentially. Add a law where corporations are people and unlimited political donations is free speech and you’ll have enourmous pressure put on politicians to keep the insurance industry unregulated (except making buying it mandatory). Thus Geiko is allowed to exist. Lower premiums, but you are essentially uninsured for anything more than a minor fender bender. Paying premiums for nothing. This is bad for everyone involved in an accident except the insurance companies.

Plex isn’t another evil tech company, it’s just full of stupid features and unresolved bugs. Jellyfish just isn’t good enough to replace it yet; it’s more finicky to setup, isn’t as good as matching titles and displaying the metadata, and has fewer features. But it is catching up fast.

I live in Canada and used to work as an adjuster and dated an American broker. There are many good insurers in the US, none of them advertise. Go to an honest broker and they’ll tell you about those boring good ones.

The differences in our systems were astonishing. Those advertised insurers let you go around with basically no coverage. I can’t believe your minimum third party liability amounts, especially considering the crazy medical costs in your country. It’s just over a tenth of the minimum we allow in my province, and we have socialized health care and more robust social safety nets. A serious accident will ruin you for life if you take that cockney lizard’s policy. He’s a scam artist from the mean streets of London.