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Comment Re:Car Insurance Companies Too! (Score 1) 353

That might be a part of it, but I've received 3 payments from insurance companies of other drivers from their liability and not once was an attorney actually brought in, or was a lawsuit mentioned. Well, I did think about it on one occasion, because the insurance company was dragging their feet and took weeks to schedule a fix (seriously, Farmer's sucks), but in the other two cases I had a check in my hand within 72 hours of the incident.

What mechanism would you provide to ensure people are compensated for loss when another party is at fault?

Comment Re:Car Insurance Companies Too! (Score 1) 353

The only insurance that is required by law in any state I've lived in is liability, i.e. if I fuck up other people's shit or lives, I have some ability to see to it they are compensated. The only time I've been required to carry insurance that compensates for the damage to my car is if I financed it and I still owe money on it, and it's the (private) lender doing that, and understandably so.

Comment 1st/3rd person (Score 1) 2

You can get away with it if you consistently have one character that gets 1st person (generally your protagonist), with other sections/chapters in 3rd person, especially if the protagonist isn't present. The one that bothers me though is a wandering POV. I'm in character A's head, oh now I'm in character B's head two paragraphs (and no section/chapter break) either. Frank Herbert pulled that off occasionally, but most people trying to emulate that style fall on their faces.

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