Comments By Mistelle

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  • Mistelle
  • Joined:
  • 10 years, 10 months ago
  • Comments:
  • 158

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Posted:  9 years, 1 month ago

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Been a long time since I talked but

OMG that's terrible! I'm really sorry to hear about all that.

You make a lot of excellent points about knowing your insurance and I have to admit I signed up, they asked me a few questions, and that's it. I couldn't really tell you the details about what they cover and what they don't. Now you've made me want to look into that and my homeowner's insurance too!

I really wish you guys all the very best. I don't know what the future holds for you guys but I'm sending my best wishes your way.

Take a moment to find out. Ask the worst case scenario. Find out how long they cover you and what it takes to keep that coverage. I've struggled really hard. There's a lot more I would love to share with you guys but I've got a few lawyers making me watch my tongue.

As far as homeowners insurance, I learned a nasty thing here recently. Full coverage on a manufactured home isn't full coverage. It covers everything except your subfloor. It's in the fine print, but it's there... You have to buy a separate policy and I forgot the name of it now, needless to say I didn't have it and I got a leak shortly after the wreck under my living room. We didn't notice it until the floor fell in. No one looks for leaks in the dang living room!!! (pipes from kitchen to guest bath ran under the living and burst during a hard freeze, but just enough to spray water under the floor but not so much to flood under the house)

Thank you all for the well wishes, we miss being out there and would happily go out again! As far as not being an owner op because of the insurance lets just say we went from making around 1k a week as a team to putting 2k in our pockets as a team. We were home every weekend. We made 7k but truck expenses, insurance, fuel, mortgage and whatnot(savings mostly) ate up the other 5k. And when buying a new truck, buy all the extra safety features you can!!! They saved our butts!!! When I can post pictures legally I will show you the difference between a 2015 Kenworth T680 wrecked inside and out and what the other 8 trucks looked like. Ours was dark bright teal.

Posted:  9 years, 1 month ago

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Been a long time since I talked but

I've been rather busy.

Nov 14th my husband and I were involved in a wreck. It totaled our truck (we had just started our own company and had purchased our own truck with a loan) and injured the both of us.

I'm not going to talk about the wreck itself. It sucked that enough to know (though we were no where near at being at fault, everyone involved agreed)

I want to talk about what you should know to prepare yourself for in case the worst happens to you.

Most insurance companies don't really talk about what they don't cover. They will say we cover you when you are in an accident and they do! They just don't tell you precisely what, you need to read the fine print and that stuff can get confusing. So here is some stuff I have learned the hard way.

Ask if they will cover mental damages. Wrecks are traumatic. Flashbacks, nightmares, and stuff like that may not be covered. Insomnia caused by said nightmares may not be covered. Brain damage not visible to most common scans may not be covered because sometimes you can break those tiny connectors that the scans can't pick up. Trust me, when you are having how to relearn how to read directions, you don't want to be stressing about your bills. Brain injuries suck, they have so many different side effects that they can completely wreck your life and still be considered minor.

Aflack may or may not cover you. Make sure to read the fine print. I thought I was covered in the case of an accident. I was, if the accident was caused by a sudden heart attack, stroke or some other medical emergency. Not by some other idiot.

Make sure that you know who you can go to and who you can't. We barely had our insurance for two months when the wreck happened so we weren't fully set up which delayed us getting to the doctor because we had to find one that would take both forms of insurance. Just because you bought it at one salesperson doesn't mean it's all the same provider.

Try to have enough money in the bank to have 6 months of bills covered. I only had three set aside because we had just got the truck and it ate up our savings getting started. But I was thankful I had that!!! It takes a while for the insurance to start working. They have to file this piece of paper with that person and they have to wait for the police report (which may take a while if there are multiple vehicles and if it's out of state).

There's more I'm sure but this is all I can think of for right now. If you have questions shoot me an email message. Not everyone is going to have the same experience but I hope that you can take what I have learned and use it to not make the same mistakes I did. I thought I had things set up right, and I did for the most part, but some things I didn't know I would need so I didn't know to look for them.

If this is confusing forgive me, I am still working on my word fetching, the words are all still there I just get them confused or lose them for a while.

Good luck out there and please, please be safe!

Posted:  9 years, 12 months ago

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Making an app

My husband is looking up how to program an app for both android and iphone. Do you guys have any suggestions? He was trained in C+ C++ and C Sharp. I used to know java (what you don't use, you lose).

What we want to design is a simple load tool. Kind of like a flipbook that has all your load information written down but one that you can use on your phone or tablet. We plan on putting some features in there that will track number of miles driven, notes about shippers and whatnot and compiling the data so that when you get a load you get the information that you put in and that other drivers put in. Such as special instructions for finding the yard that's int he middle of a corn field. (there is a walmart dc in the middle of a cornfield, there isn't even really an address for that place).

We want to start as just a way to keep our load information organized but we want to expand it out later into something that compiles driver data. Maybe something that will record those who are slow to pay.

Posted:  9 years, 12 months ago

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Sleep tips

We will be trying the tea very soon. I have a heck of a time sleeping during the day and my circadian rhythm is more like a circadian set of manacles. That sun goes down, I'm sleepy for at least two hours.

Posted:  9 years, 12 months ago

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Pedestrian Killed by Tractor Trailer

We had a guy that had no lights on pull out in front of us in the middle of the night. Scared the bejeezus out of my husband who very narrowly avoided hitting him. After we thought about we realized he flipped his lights on when we were about 20 or so feet away and as soon as we passed him, he turned them off. Wonder if he was trying to get hit.

Posted:  9 years, 12 months ago

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Do I push for what I want pretty badly or do I lay low and say nothing?

Just don't let them get you down. For every jerk out there, you will find 5 more who will almost hurt themselves to help you. I had my rough spots and I wish I had done as well as you. You will be a pro in no time and other people will ask you for guidance!

Posted:  10 years ago

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Starting

First full day at FedEx. Hopefully this is the beginning of something good.

Congrats! Hope you like it. I stop at a lot of Fed Ex's and most of the employees seem happy.

Mistelle

Posted:  10 years ago

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The elephant in the middle of the room

Or in this case, the 53' trailer and the 2014 freightliner.

I am sitting at the consignee, I was early by about 30 minutes. I have pulled up to the dock (still far enough away to cut the bolt and open the doors but almost in place) and people are walking around me, not looking at the truck or speaking to me.

It's weird how the truck is almost invisible when they aren't ready to unload you. Especially since I am the ONLY truck in the yard (and there is only room for one).

Posted:  10 years ago

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Continental Truck Driving School in Lancaster Tx

Just re read this. I laughed and smiled. It was so very hard then. Now, it all seems so easy. Can't believe how hard i fought that clutch.

Posted:  10 years ago

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More Questions

Crst has a pet policy. And cats do learn to stay out from under the pedals. Put a treat in the floor near your feet. Whenever they get close, stomp all over and yell, shake a can of coins. Leave the treat there and repeat until they leave it alone. Then pick it up and give them the treat. Sounds awful but it works.

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