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Hi, my mom was in a minor accident with a hydro truck. We live on a small road off a highway and there is no turning lane. She was about to turn in(left) and had to wait for a small car to go and the hydro truck( its for electricity, if I wasnt clear) attempted to pass her on the shoulder. He had some sort of boom sticking out quite far and when he went to pass her on the shoulder the boom hit her truck. What I was wondering is the insurance going to cover the damage( my mom is fine) or will they find excuses like she should’ve let him go past her ahead of time. Our insurance is ICBC(from british columbia, canada) if that matters.

If it happened as you say, The Hydro truck is liable. but…. How can anyone here forecast what excuses MAY be made?

I hope the accident was reported to the cops and to Moms insurance company

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I am 16 and plan on moving out of my parents home in March 2009 (I will be 17 in July) . I currently live in New Brunswick, Canada, with the intentions to move to British Columbia, Canada. I feel older than I really am. I am constantly reminding myself. I am saving my money (planning what I think my bills (and I plan for things to cost my than they probably will) so yeah, I think about bills, and groceries, rent, fun spending money, transportation, ETC.) and I feel that I can really do this. In this world they make us grow up fast. So I ask you, don’t tell me that I am crazy or anything negative. I have been planning this since August. I am moving out because I do not enjoy my home life, I am not a stupid, moody teenager – I am a strong, determined, capable human being trying to make her life the best it can be.

Now my questions…

1. Can I rent an apartment?
2. Can I work more than 40 hours at a part-time job? Can I have more than one job?
3. How expensive is car insurance for a teenager? Am I allowed to get my own, like sign for it and everything?

Can’t think of anything else right now, will update as I think.

Thank you.
I should be more specific – if I had two jobs, can I work like 20 or 30 hours (whatever part time is) on both jobs? can I apply for a full time postion but just work after school and weekends?

Trust me…I have thought about doing the same thing. However, I’m not brave and don’t think that I could do anything like that even though I have a hard life too. You can do just about anything that you want if you have income. However, if you are going through a bank (which you should) they may need you to have a down payment and a steady income that is high enough to make sure that you can make payments. If you go through a bank, you should talk to them about rates. They will answer any questions you may have. 40 hours per week is a full-time job. I’ve worked a couple of part – time jobs and have only ever reached 20 or 25 hours (if I was lucky). You could get a full time job but I’m sure it will only be minimum wage since you are young. You can have more than one job. I know many people that do. Obviously you are going to want two part time jobs and make one for the weekend and one for the week. A lot of part time jobs don’t give you a set time each day or week. Your hours will most likely vary. This may make things difficult for you to have two jobs. If you are concerned about your hours, talk to your managers about your situation and they may be willing to help you out and grant your requests. You can get and sign for your own car as long as you have a license. My car is in my name and I’ve had it since I was 16. Your average car dealer will help you with all of the paper work. My car insurance is through a company called State Farm and it’s about $100 per month. That’s with the good grade discount. Good luck with everything.

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I live in an apartment building and last night in the middle of the night someone smashed the window out in my vehicle stole my husbands expensive tools, fishing poles, and a duffel bag containing expensive new clothes for my 20 month old baby girl. The duffel bag also contained some sentimental items that I cannot get back. This breaks my heart so much. I had a brand new toddler Columbia coat lying on top of the tool box but they didn’t steal that. The windows are tinted dark so they really had to be looking or another tenant in the building planned this out. Made a police report and they just said they would keep their eye out and check a few local pawn shops. Contacted the car insurance company and they apologized and said that break in theft was not covered. Walked down to talk to one of the building managers and she treated me rude-like and said I doubt it was a fellow tenant.. what makes you think that? So I said because my windows are tinted… (and the area this building and parking lot is in.. a random person wouldn’t be just walking by the vehicle) All she said was okay, I will send someone down there to clean up the glass. She had this evil smirk on her face. So I walked out of her office bawling my eyes out. The terrible thing about it is once this person realizes that it is just baby clothes and the items that were sentimental to me, they are just gonna chuck it. I doubt it will be any value to them… Now we will have to replace the window, and everything else. We were currently house hunting to get out of this building next month and saved up money for the down payment. Now if we have to use any of that money, we will be stuck here even longer until we save up again. I do not want to be here. I don’t feel safe. This is just wrong…. It’s terrible to think no one can do anything, and they wont get caught. If you have any advice as in what I could do, anything at all, that would be great. thanks♥

Youve pretty much done everything you can. I would start checking the dumpsters, generally they go through the stuff before they leave the complex, so it might be there somewhere. The lack of compassion from the management is frustrating, but it really could have been anyone. Just keep your eyes out in your neighborhood. At the very least, you might save one of your neighbors from having this happen.

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