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Horse talk for mature people over 40

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        04-06-2013, 12:13 PM
      #7791
    Weanling
    Oh...Stan, I forgot to tell you---in this state we have a law that if a vehicle's damage is more than half of the listed book value, the title gets stamped as salvaged vehicle. No car dealer will take it on a trade, and few banks will write a loan on it for a buyer via sale outright.

    I have no intention of selling or trading for a look long time.
         
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        04-06-2013, 05:43 PM
      #7792
    Started
    Quote:
    Originally Posted by Prairie Rose    
    Oh...Stan, I forgot to tell you---in this state we have a law that if a vehicle's damage is more than half of the listed book value, the title gets stamped as salvaged vehicle. No car dealer will take it on a trade, and few banks will write a loan on it for a buyer via sale outright.

    I have no intention of selling or trading for a look long time.

    That may cause you a problem if the insurance tries to write it off.

    When I insured the new float I got into the conversation with the insurance sales rep on who assesses the damage and fixes the insurance payout value which is market value before the accident. Keeping in mind my float is made in Wales and has no chinese parts and is a renound brand name in Europe.

    Not name dropping or slaging any other, but here in NZ they are getting the parts made in China and assembling the wheels here under NZ brand names and some of them don't last.

    Back to his answer, the insurance rep said, wait for it, and its common, they get a secondhand car sales man to fix the market value and payout on what the carsales would have paid for the car if buying it.

    I saw red and asked the rep what the flark would a second hand car sales man know about the value of a horse float. We parted company on a very good note I told him if they tried that with me we would have a long session in a court room. One of mates was a secondhand car dealer in his own right and their objective when buying is to get it as cheep as they can and to sell it for as much as they can.

    In the NZ second hand car industrie they have a little book and it lists all of the brands, the vintage, and puts a price on the vehicle. What most sellers don't know, that price is the top price they will give as a trade in and some of the insurance companies follow that little books valuation when paying out. They only pay out what the secondhand car dealer would give for it.

    The true market value is the reasonable price a dealer would display on the vehicle windscreen or adertise it for when selling it. NOT when he buys it from someone as a trade or a straight purchase. So check out the price your vehicle would be sold for given its condition and then present the true market value to the insurance company, if it is better than what they have offered.

    The person who slamed into you their insurance should be paying out should they not, and if so, ask them for a vehicle that will tow the horse trailer as a loaner for you to get around in at their cost while yours is being repaired or replaced. It was their customer who put yours off the road.

    In NZ, two years after the Christchurch earth quakes, and after being taken to court one insurance company has been ordered by the high court to pay out the replacement value on a home damaged by the quake.

    The insurance company took the attitude that they could repair the house even though it was in what is called the red zone, that is land that has been assessed by the government as now unstable for any building and not habitable.

    The insurance tried to get out of paying because they could repair it, but the claiment would not be able to live in it. The wording of the policy was replacement or repair and as the land was unstable it should have been replaced on a different piece of land, in a safe area. Insurance companies are in the business of making money. We all have to keep that in mind.

    In NZ we have a watch dog on TV called Campbell live. When he gets his teeth into something he shakes it untill it rattles. We also have a show called fair go, does the same, if one feels ripped off by a company they investigate and will air the issues. Living in a small country does have an advantage. If a company rips someone off, that company risks the whole country knowing about it. Not good for business.

    Good luck with the truck.
    Hope you look after your husband as well as your truck. the old truck that would be worth a mint here in NZ.

    Well enough rambling one would think I have nothing better to do when I have. I'm going to get into Bug's good books. Im going to force some worming past down his throat. Should make for an interesting day. Lets see how long it takes him to forgive me.

    Cheers all, get out there and ride.
         
        04-06-2013, 09:15 PM
      #7793
    Started
    Exhausted

    How exhausted am I? I fed the horses, shoveled a delivered load of sawdust, took my oldest, Rainn and my dog for about a three mile walk. Yes I was walking too...still need equipment, and walking keeps me in shape as well 😋. Got home, moved four wheelbarrow loads of mulch, cleaned two stalls....ugh! I'm tired! I keep dozing off on the couch and its only 8:00, 💤💤💤
    Nine and Stan like this.
         
        04-07-2013, 01:13 PM
      #7794
    Foal
    Corgi, how's your Dad? I hope you're hanging in there. My thoughts and prayers are with you and your family.
    Stan, your horses sure keep you busy. That's nice. Who knows what naughty things men can get up to if they're not kept busy? I like the way you handled the insurance ghoul. Talk about vampires...
    Nicker you sure worked your tail off. I played all day yesterday. Was going to go visit Teddy, but there was rain all day where he is (2 hours away), so I played. Housework is highly overrated. You know, I've never read "Her house was always immaculate" on a tomb stone. I don't sweat it too much.
    Has anyone heard from Foxhunter lately? Foxhunter, where for art thou?
    I'm going to a sale at the fairgrounds in town. There is a remote controlled helicopter I want to desensitize my horses with. And I'll pick up some mylar baloons for the fun of it for them today also. I do love playing with the horses. Have a good week, All. Lets hope Spring will show up soon. I've got riding and gardening plans!
         
        04-07-2013, 01:22 PM
      #7795
    Weanling
    Nine, I LOVE to play with the critters also!
    Tarp is one of my favorite toys. Hula hoop is great too.
    The remote control plane is an excellent idea!

    Are you going to the Expo? I wanted to meet some friends out there for it, but have to work that weekend so cannot. It's a 6 hour drive for me to get there, but sure would have been fun.
         
        04-07-2013, 01:30 PM
      #7796
    Weanling
    How do you like the 'frame' of my photo? :)
    My Sweets is the best horse I have ever had the pleasure of teaming up with.
    This was taken last summer on a rest break riding out at my friend's ranch.
    Ladytrails and With Grace like this.
         
        04-07-2013, 01:33 PM
      #7797
    Weanling
    At the ranch
    Stan likes this.
         
        04-07-2013, 01:37 PM
      #7798
    Weanling
    My youngest son, Drew, in his 76 F150 Ford truck he bought. It even has an 8 track cassette player in it. How cool is that? :)

    My other son, Chase with his Tbird.
    Stan likes this.
         
        04-07-2013, 01:37 PM
      #7799
    Trained
    Hi everyone so nice to be here again
    Sorry I have been missing
    We are looking for another place to live
         
        04-07-2013, 01:40 PM
      #7800
    Weanling
    My daughter Kaitlin and I at a concert last summer

    Scenic drive on the way to the concert. We have a lot of wind here out in the open prairie. Lots of wind farms going up.
    Stan and NickerMaker71 like this.
         

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