Vinyl Me Please (store, exclusives, swaps, etc)

Joe Mac said:
Yeah we have comprehensive here too. Basically we have three levels: Third Party - Just the other car. Third Party + Fire/Theft and then Comprehensive which the adds cover your own car in an accident and often gets breakdown and windscreen cover bundled in.

It doesn’t ever extend to that lol!
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Our main coverages are Liability (which is probably equivalent to your 3rd policy coverage) most states require some form of Liability coverage (though the amounts vary wildly, liability cover any property damage/bodily injury that you are liable for up to the policy limits but doesn’t extend to damage to your own property.

Then there is Collision coverage which is not typically required by law; it covers any damage to the policyholders vehicle caused by a Collision regardless of fault.

Comprehensive coverage covers most loses not covered by collision coverage (Fire/Theft/Vandalism/Hail/windshield damage) strangely enough Comp coverage covers a deer hit which seems like a collision but is deemed “an act of God”. Usually the Comp deductible is less than Collision meaning if you hit the deer you end up paying $100 out of pocket deductible whereas if you swerve to miss the deer and instead hit a tree you may end up paying a $500 deductible and have to cover the cost of the damaged tree.
 
Twentytwo said:
I loved this record when it first came out but it doesn't grab me like it used too. I still like their S/T comp the best. First time I ever heard them was the Stupid Kid video on MTV I believe.
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It does hit a bit different for me, but it’s such a nostalgia thing that I just can’t not have it. My Alk3 tattoo may have been covered up after they released a couple crappy (IMO) albums but that’s probably more of a testament to my fickle dumb younger emo self than it is to the band. 😂
 
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