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Really wanting to move, and a ? about auto insurance

August 24th, 2008 at 08:37 pm

Yesterday we were struck with plumbing issues again, one day shy of 3 weeks since the last occurrence. I called the landlord and got his voice mail, then finally reached him after a second voice mail left one hour later. (I planned to leave one every hour, even through the night, until I reached him!) He came out and spent 3 hours here (after spending 4 hours here the last time) w/a rented "snake" (I guess that's what it's called) and we are back in business again, but for how long this time? He replaced the toilet in the kids' bathroom a couple of months ago, and it had a slight leak so he was going to put some sort of wax sealant on it, which he brought with him last night. So after he snaked the toilet in the master bathroom, he went to the kids' bathroom to put this seal thing on that toilet. Half an hour later he tells me he broke the toilet and he'll have to come back today and repair it or replace it again. He showed me what he'd done, and he'd literally BROKEN the toilet ... there is a big hole in the bottom of the tank!! I have no idea how he did that. Anyway, he was supposed to be here today at 5:00 to take care of that job, and he didn't show up ... didn't even call!! I am pretty sure the reason I will get when I do talk to him is that he forgot. That is the reason I got countless times last year when we had a huge portion of a tree lying across our back yard, dead, which he was supposed to come cut up and remove. (It was struck by lightning in June 2007 and he finally came and cut it up and hauled it off in May 2008.) I was SO fed up last night that I was ready to go sign a lease on an apartment today!! This morning, of course, I realized I really cannot pay for an apartment and moving costs right now ... unless I don't pay my rent for next month. Plus I still have a lot of stuff to get rid of before I can move. But I am SO ready to be out of here, done with all the plumbing issues, and done with that landlord!!! My daughter and I went last weekend to look at the apartments I referred to in my last post, and we really like them a lot. Last night I'm sitting on the couch (while the landlord snaked out the toilet for the umpteenth time) planning ways I could perhaps move out of here next weekend!! Realistically I know there is no way I can do that. But it will be very interesting to see how long it is before we have more plumbing issues ... I am saying two weeks, tops. And if he doesn't get back out here to replace the toilet he broke, we will not even have a back-up toilet!! I really will NOT be happy then!!

My auto insurance questions are: When do you give up collision coverage? What exactly is comprehensive, and when do you give that up? My car is 8 years old (less than 70,000 miles) but I still carry full coverage. I only do that because I'm so nervous that as soon as I drop it, I'll have an accident!! I need some of you to talk some sense into me!! HELP!!

As an update to my child support situation with my ex, he did receive his severance the day after I posted and I was able to deposit the child support check. Now it's due again this week (Wed.) and I'm on pins and needles wondering if I'm going to receive it. I went ahead and kept the $400 from my EF to have on hand and readily available as long as the child support is in limbo, so my EF in ING is down. Frown

The kids both start school tomorrow ... my daughter in 8th grade and my son as a college freshman! My daughter and I went to see my son on Friday because I wanted to see his dorm and just know where he's going to be living for the next school year (my ex moved him there a few days prior). He seems to have really settled in well and has made a bunch of new friends, so I am thankful for that. Now if we can just get our living situation here at home ironed out as well, life will be more pleasant all around!

4 Responses to “Really wanting to move, and a ? about auto insurance”

  1. onesexylady Says:

    Hello I am an insurance agent I work for Allstate Insurance a rule of thumb we following when determining if you should carry full coverage. Is if the vehicle is 8 years or older with more than 100,000 miles its not worth carrying full coverage. You end up paying more for your insurance than what the car is actually worth. Now of course if you have a mercedes, jaguar or really expensive car that holds its value than that rule wouldn't apply.

  2. mom-sense Says:


    Can you go month-to-month with the landlord? That would only require 30 days advanced notice (at least in my state) on either side. That would give you time to purge and find another place.

    Good luck with the toilet issue. We are landlords (own one property, and manage my father's apartments) and my DH ABHORS toilet work. Your landlord should communicate better.

  3. Personal Finance Student Says:

    We just dropped collision and comprehensive on our car that is 5 years old, because it has well over 100,000 miles and is paid off. We figure if we're in an accident and it is totaled, we will just be down to one car again for awhile (we just got our second car, which is now the family car, last Dec.). That change is saving us quite a bit of money and I feel comfortable doing it, even more so now that I have read onesexylady's comment! Thanks!

  4. littlemama Says:

    Yesterday I read in one of Mary Hunt's books that collision should be dropped when the vehicle's worth is less than $2500.00 - but this book was written several years ago.

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