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#51
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NetJets Layoff
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#52
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NetJets Layoff
Huh, that's strange; we had two claims against our car insurance last
year, and it went *down* this year (same carrier and agent, same policy, same car, no change in coverages). As usual, the real world isn't as simple as some people like to think. Insurance premiums vary depending on the return on investment of the premiums dollars and the claims losses. |
#53
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NetJets Layoff
"Jay Honeck" wrote -- and I'm STILL paying for it in the form of higher unemployment taxes, four years later. The system sucks. (I can tell you many more examples of acquaintances who have scammed the unemployment system over the years...) I had one employee file on me, but I beat it. An acquaintance needed some extra help on a big job, and things were slowing down for me at the moment, so I told him he could employ two of my employees, until his job was done. Fast forward a month or so, and I called to see when they were going to be back with me. He then informed me that he had decided to stay on with the new guy, my former acquaintance, but nobody had gotten around to telling me. Fast forward close to a year, and I get notice that he is filing for unemployment. Turns out the new employer laid him off. I don't think the other guy was above the table and paying unemployment, so he thought he could come after me. I sent a letter, and I got an appointment for a "telephone conference call hearing". The "judge" listened to both sides, and said, "Thank you, I have what I need, and I'll be in touch." I later got a letter releasing me of the obligation to pay. One of the few times anything in court has gone my way. -- Jim in NC |
#54
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NetJets Layoff
David Dyer-Bennet wrote:
writes: All I can really say is the government or taxpayers have yet to pay any unemployment for my employees. The business pays premiums for unemployment benefits. Like any other form of insurance, if you have claims made against the policy, the premiums go up. You don't need to be an economist to understand this. Huh, that's strange; we had two claims against our car insurance last year, and it went *down* this year (same carrier and agent, same policy, same car, no change in coverages). As usual, the real world isn't as simple as some people like to think. Yes, the real world isn't always logical. Were the claims your fault? Matt |
#55
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NetJets Layoff
Matt Whiting writes:
David Dyer-Bennet wrote: writes: All I can really say is the government or taxpayers have yet to pay any unemployment for my employees. The business pays premiums for unemployment benefits. Like any other form of insurance, if you have claims made against the policy, the premiums go up. You don't need to be an economist to understand this. Huh, that's strange; we had two claims against our car insurance last year, and it went *down* this year (same carrier and agent, same policy, same car, no change in coverages). As usual, the real world isn't as simple as some people like to think. Yes, the real world isn't always logical. Were the claims your fault? Nope, clearly not (in the first case the car was legally parked when someone backed into it; in the second someone ran a red light and hit the rear quarter and *then* drove off, but got caught). And of course that's a big part of the reason the rates didn't go up. And in fact it *does* seem logical to me that claims not my fault are less likely to bump my rates. -- David Dyer-Bennet, , http://www.dd-b.net/dd-b/ RKBA: http://www.dd-b.net/carry/ Pics: http://dd-b.lighthunters.net/ http://www.dd-b.net/dd-b/SnapshotAlbum/ Dragaera/Steven Brust: http://dragaera.info/ |
#56
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NetJets Layoff
No. I've never had to lay anyone off. One time I had an employee quit
and later file for unemployment. I called her to ask what was going on, since she had quit to change jobs. She said the job fell through, and was too embarassed to ask for her old job. I hired her back. Matt Whiting wrote: wrote: How can I argue with someone who believes he knows not only the details of a 12+ page separation agreement without seeing it, but also my business strengths and weaknesses without even knowing who I am or what I do? ;-) All I can really say is the government or taxpayers have yet to pay any unemployment for my employees. So your customers are all folks outside the US or tax evaders? Matt |
#58
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NetJets Layoff
David Dyer-Bennet wrote: And in fact it *does* seem logical to me that claims not my fault are less likely to bump my rates. With State Farm if you have an accident that is the other guys fault and he has no insurance or not enough you use your collision to cover it. State Farm pays to fix your car and then goes after the other guy. You get the first dollars they collect to offset your deductible. If they come up short they eat it. Does not affect your rates. Other companies no doubt do this as well, but not all. |
#59
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NetJets Layoff
Newps writes:
David Dyer-Bennet wrote: And in fact it *does* seem logical to me that claims not my fault are less likely to bump my rates. With State Farm if you have an accident that is the other guys fault and he has no insurance or not enough you use your collision to cover it. State Farm pays to fix your car and then goes after the other guy. You get the first dollars they collect to offset your deductible. If they come up short they eat it. Does not affect your rates. Other companies no doubt do this as well, but not all. Depends on state law, too, but I'm in Minnesota, where "uninsured motorist" coverage is explicitly required, and hence universally bought (by people who are insured at all, such as myself). And I am in fact with State Farm (and have been all my time in Minnesota); as was the driver of the car that backed into mine in the first accident. -- David Dyer-Bennet, , http://www.dd-b.net/dd-b/ RKBA: http://www.dd-b.net/carry/ Pics: http://dd-b.lighthunters.net/ http://www.dd-b.net/dd-b/SnapshotAlbum/ Dragaera/Steven Brust: http://dragaera.info/ |
#60
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NetJets Layoff
David Dyer-Bennet wrote: With State Farm if you have an accident that is the other guys fault and he has no insurance or not enough you use your collision to cover it. State Farm pays to fix your car and then goes after the other guy. You get the first dollars they collect to offset your deductible. If they come up short they eat it. Does not affect your rates. Other companies no doubt do this as well, but not all. Depends on state law, too, but I'm in Minnesota, where "uninsured motorist" coverage is explicitly required, That's great but that doesn't cover bent sheet metal, only bent humans. |
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