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Dendox

Certifiably Surly
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Posts posted by Dendox

  1. The shift did begin more than 10 years ago.  I can tell you the self driving car was a significant part of the calculus. 

    You are right about no one is rewarded for betting risky.  Very conservative at its core.  

    I misspoke - USAA means something very specific in this context (United Services Automobile Association) and was originally officers only, then opened up to the following groups - officers, pre-commission officers and e7 and up.  

    USAA CIC is typically who insures the enlisted 

  2. 12 minutes ago, LCHorn said:

    You’d probably know better than me, but in my opinion it’s changed the makeup of the risk pool from veterans to mostly civilians, and that’s otherwise equalized the claims between it and other insurers (where previously they could afford to be cheaper because veterans were more likely to be risk averse, I.e., not speeding, not letting deferred maintenance on a house get out of hand, etc.).  
     

    When I had USAA I watched my car insurance double in two years because I lived in 78702, or so they told me. 

    USAA was concerned about the death of the auto policy.  Whether it be self driving car manufacturers or OS writers for said cars - they were quite concerned that "auto insurance" would look markedly different in the future.  In an effort to remain relevant, they sought to deepen their relationships with current members (LOTS OF CROSS SELLING) and expand their pool of members.  Since the most of the officers who were elligible were members and using USAA, that left little room to grow without opening up the criteria for membership.  The risk pool is pooled into different sub insurers based on categories.  USAA (auto) is still officers only.  Sub groups make up the new members.  Garrison P&C is for family.  There is a county mutual outfit too.  Depending on how you qualify, your auto rates may be great, good, or shit.  

    While I take umbrage with their rates, they are still pretty competitive.  I quit giving them benefit of the doubt when their claims handling procedures changed so dramatically.  When I lost the benefit of being treating like family, they lost the benefit of deference when their rates increased.  

    AllCat can suck a dick.  IF you have a property claim and AC is assigned, do everything in your power to refuse them and get an actual USAA employee to look at your damage.  

    • Hook 'Em 1
  3. Never played a pickem like this.  Sounds interesting.  

     

    1. Purdue 

    2. Iowa State 

    3. Baylor  

    4. Auburn  

    5. San Diego State 

    6. BYU  

    7. Florida 

    8. Nebraska 

    9. Michigan State  

    10. Drake  

    11. New Mexico 

    12. James Madison

    13 Samford

    14 Morehead State   

    15 Western Kentucky 

    16 Longwood 

    17 - Wild Card - Wisconsin 

     

    Where do I venmo?

  4. On 1/16/2024 at 1:50 PM, gsoda3 said:

    costco was selling maples for $2080 last week.  if you used their credit card and got the 4% discount you're paying under spot for it.  i got distracted and didn't remember until it was too late and they were sold out.

    is there a way to got notified from some site when shit like this pops up?

     

  5. I am not surly elite.  Hell, I am not even Boerne elite.  I probably can't do enough to matter (from the sounds of things).  What sort of funding gap are we talking about here.  i can't donate enough to put a sign on one of the buildings, much less the building itself (something referenced in the posts).  Are we talking 10s of millions?  

     

  6. Just now, mdmost said:

    If Stoops is the hire, Elijah Robison has his work cut out for him to hold the class and team together. You know the portal will be just billowing with aggy players. 

    word on the street is Robinson, Durkin etc are not coming back 

    • Haha 3
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