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As long as all the lights still work I'd blow it off - I look at cars as tools - over time they get scratched, dented and stained. It is what it is - why drive yourself crazy over minor damage?
 

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As long as all the lights still work I'd blow it off - I look at cars as tools - over time they get scratched, dented and stained. It is what it is - why drive yourself crazy over minor damage?
Bolts have a cooling system in that area and it is not minor at all.
 

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2021 Bolt LT, 2021 Kona EV SEL
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I generally defend GM and the Bolt, but designing a front bumper with a piece of fragile plastic as the first point of contact is just wrong!!
I think that depends on how cheap the plastic is. The Smarts I had over the years one of the main reasons for having it is I'd get hit by taxi cabs in Manhattan 2-3 times per year. I'd have a livery cab t-bone me (lightly) and it would cost me $300 for the entire accident as the body panels were painted plastic around a roll cage pre-painted from the factory.

You don't know liberation until you've been able to say, "sure, just give me $500 cash here and we can walk away" and coming out with a profit.
 

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Thank you… I also checked and yes, it is expensive. The bumper too it’s about 500$ here and with the work I expect at least around 1.5k $
Hope is not more and it really wasn’t much of a hit (max 2-4 km/h) but …
The bumper/grill is fragile. I ran over a raccoon that I couldn't avoid and it went under the front bumper and just made a thump. Didn't even hit the grill but it caused the bumper cover to flex upward a little and that alone was enough to break 9 of the ribs that hold the grill on: it's pretty flimsy. That said, $1.5K is nothing: you're getting off lucky compared to us Tesla owners. If a gnat hits a Tesla, it's 20 grand to fix it. ;) Everything is relative I guess.

Mike
 

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Well, Canada is a big place, specifically Newfoundland, Nova Scotia, New Brunswick, Prince Edward Island, Ontario, Quebec, and Alberta all use a no-fault insurance system. So most but not all of the country is on a no fault system.
Deductible is up to the policy holder and depends on how much premium you are comfortable paying and how much risk you can afford. You can have anywhere from a zero deductible which is the most expensive type of policy up to several thousand. You get to a point of diminishing returns however.
Most jurisdictions also allow the policy purchaser to pick a total for liability coverage. In Ontario, every vehicle must carry a minimum of $200K liability coverage although, in reality, $1 million is generally standard. This mandatory level of coverage greatly reduces litigation and makes sure everyone is looked after should something happen. A very large mishap that exceeds the 1 million would then have to go the route of litigation. I'm not an insurance specialist by any means but that is it in a nutshell.
British Columbia recently changed to a no-fault insurance system for medical expenses as well.
 

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2017 Premier, Arctic Blue - Oct 2020
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I spent a little over $200 US and replaced it myself after 'breaking it'. It WAS a hassle to remove and replace, a lot of screws in a lot of places, and some cussing. Wouldn't want to do it outdoors in the winter for sure, but it is doable.
 

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Going down this rabbit hole... why is medical insurance even needed when there's "free healthcare" in Canada? Clearly I'm misunderstanding something.
Nothing is free. Canadians enjoy universal healthcare meaning it is available to anyone who needs it when they need it without worrying about what it might cost or what coverage they have. It also means we all get to pay for it via added taxation.
The note was referring to medical expenses that might arise from an accident that are longer term,,,,so if you become permanently disabled and need special equipment or in home care. That is not part of the normal healthcare system and would be covered via auto insurance.
 

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Canadians still require health insurance that covers long term conditions? I'm confused as to what is covered and what is not. Seems acute problems but not chronic?

I realize nothing is free, which is why I put it in quotes. Absolutely everything has a cost. Doing nothing even has a cost.
 

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Discussion Starter · #31 ·
Going down this rabbit hole... why is medical insurance even needed when there's "free healthcare" in Canada? Clearly I'm misunderstanding something.
Because not EVERYTHING is free. The basics are, though. In Canada there aren't people who declare bankrupcy because of a medical condition like in US. Cancer is covered by default, for exemple. The meds are - 80% price. If you go do a colonoscopy, it doesn't cost you a thing. If you go to the emergency for whatever problem, you don't pay a dime. Any type of surgery doesn't cost a dime.
But if you want accupuncture, well, you pay the price or pay an insurance that covers 60-80% of it. Same for the glasses. You want to be covered and deduct lets say 400 $ from the price of a pair of glasses every 3 years, you pay for an insurance that covers this and that's it. Or for dentist - if you want to have 60% to pay instead the full price, you get an insurance to cover it. It's really the oposite of what's in US, where people have to sell a life insurance for exemple to afford the meds they need (it was a pub on the subject, old cupple sold their life insurance to be able to pay for meds). From what I saw, from a distance, of course, better NOT be ill in US, or you are fucked.
 

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I have too many criticisms of healthcare and insurance in the US to innumerate here. Basically every facet has adopted the worst bugs that are inherent from capitalism, socialism, and government interference. We've picked the wrong tool for just about everything.

Regarding socialized care, everything should have a copay, no matter how small. Gotta have some skin in the game to keep those that would abuse it to a minimum.

...and I went through debilitating back pain for 2 months without insurance. I lost 25 lbs because I'd go the whole weekend without eating or drinking anything just to avoid the pain of standing. Bought grey market codeine and self-medicated as little as possible to get by (half tab every 4hrs). Paid out of pocket to get an MRI, which is fairly cheap if you shop around and pay cash. It showed a destroyed L5-S1 disc impinging on my spinal cord causing a loss of muscle control in my right leg. I got better doing nothing. Not sure how things would have been different with insurance.
 

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Canadians still require health insurance that covers long term conditions? I'm confused as to what is covered and what is not. Seems acute problems but not chronic?

I realize nothing is free, which is why I put it in quotes. Absolutely everything has a cost. Doing nothing even has a cost.
Some of these topics are best discussed over a beer or two but anyway...
The system covers both emergency and long term care like a nursing home generally speaking.
In the case of an auto accident that is caused by someone's negligence then again all the acute emergency care and rehabilitation is covered by the health care system but the ongoing care that is the result of that incident isn't so let's say now you require a nurse or personal assistant to come to your house every day to help you get dressed and feed you etc and that is where the auto insurance coverage would kick in.
Maybe not the best example but the best one I can come up with quickly.
 

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I have too many criticisms of healthcare and insurance in the US to innumerate here. Basically every facet has adopted the worst bugs that are inherent from capitalism, socialism, and government interference. We've picked the wrong tool for just about everything.

Regarding socialized care, everything should have a copay, no matter how small. Gotta have some skin in the game to keep those that would abuse it to a minimum.

...and I went through debilitating back pain for 2 months without insurance. I lost 25 lbs because I'd go the whole weekend without eating or drinking anything just to avoid the pain of standing. Bought grey market codeine and self-medicated as little as possible to get by (half tab every 4hrs). Paid out of pocket to get an MRI, which is fairly cheap if you shop around and pay cash. It showed a destroyed L5-S1 disc impinging on my spinal cord causing a loss of muscle control in my right leg. I got better doing nothing. Not sure how things would have been different with insurance.
If there was a perfect system then we'd all be on it....I don't think anyone has found it yet.
 

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If there was a perfect system then we'd all be on it....I don't think anyone has found it yet.
Federalism was meant as a way to free the states to experiment and ferret out the best ideas, but we've succumbed to the benevolent genius fallacy on both sides, and subverted the best progressive tool ever invented. Instead of enlisting the most minds possible to solve problems, we think it's best to consolidate all ideas into a single person, and pin all hopes upon them. We deserve the outcomes of our foolishness.
 

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Thank you… I also checked and yes, it is expensive. The bumper too it’s about 500$ here and with the work I expect at least around 1.5k $
Hope is not more and it really wasn’t much of a hit (max 2-4 km/h) but …
Sorry to hear about that! If you'd like an extra opinion, I'd bet you can repair the bumper cover basically for free, and just need to replace the insert. My wife's van's bumper cover was broken into like 4 or 5 pieces a few years ago. I took the pieces off, and sanded the areas around the broken seams (back side) w like 60 or 80 grit, and repaired. Now here's where I'd like to say I went out and got fibre glass matting, resin, and hardner. Though, being the Red Green fan that I am, and given that Canadian Tire is all the way on the other side of town, I instead used what I had lying around.. 2 part gel epoxy, and the mesh drywall tape (so really, pretty much the same idea). I very carefully lined up the pieces, applied to the back side, done. I'm not exagerrating, you literally couldn't see the joints (though whether yours would be visable depends on the crack). Next day reinstalled, and it was good for like 3 years (till she hit some sorta road debris that split one of the joints). Just a simply crack would be super easy, assuming it looks okay when you realign the crack.
 

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Going down this rabbit hole... why is medical insurance even needed when there's "free healthcare" in Canada? Clearly I'm misunderstanding something.
Health care is free (well, paid by taxes, as opposed to paid by private insurance), but if you cripple someone, healthcare isn't gonna pay for their lost wages for the rest of their life.
 

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I have too many criticisms of healthcare and insurance in the US to innumerate here. Basically every facet has adopted the worst bugs that are inherent from capitalism, socialism, and government interference. We've picked the wrong tool for just about everything.

Regarding socialized care, everything should have a copay, no matter how small. Gotta have some skin in the game to keep those that would abuse it to a minimum.

...and I went through debilitating back pain for 2 months without insurance. I lost 25 lbs because I'd go the whole weekend without eating or drinking anything just to avoid the pain of standing. Bought grey market codeine and self-medicated as little as possible to get by (half tab every 4hrs). Paid out of pocket to get an MRI, which is fairly cheap if you shop around and pay cash. It showed a destroyed L5-S1 disc impinging on my spinal cord causing a loss of muscle control in my right leg. I got better doing nothing. Not sure how things would have been different with insurance.
Holy ****, that's awful, sorry to hear about that!
Ya, in Canada, most of that would be free, not the drugs. Though a lot of employers here offer private health insurance like you guys do to cover the things that aren't free (dental, glasses, prescriptions). Downside to our system is wait times for smaller things. Since there's less money in it, there's longer waits. Cut the tips of your fingers off in a wood planer, you're in right away (ask me how I know), or any emergency type thing. But virtually guaranteed you could have got that MRI faster than I would have.

Edit: in regards to having "some skin in the game", co-pay isn't needed. When it comes to healthcare, you are literally born w skin in the game, not to mention all your other organs. :)
 

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Well, Canada is a big place, specifically Newfoundland, Nova Scotia, New Brunswick, Prince Edward Island, Ontario, Quebec, and Alberta all use a no-fault insurance system. So most but not all of the country is on a no fault system.
Deductible is up to the policy holder and depends on how much premium you are comfortable paying and how much risk you can afford. You can have anywhere from a zero deductible which is the most expensive type of policy up to several thousand. You get to a point of diminishing returns however.
Most jurisdictions also allow the policy purchaser to pick a total for liability coverage. In Ontario, every vehicle must carry a minimum of $200K liability coverage although, in reality, $1 million is generally standard. This mandatory level of coverage greatly reduces litigation and makes sure everyone is looked after should something happen. A very large mishap that exceeds the 1 million would then have to go the route of litigation. I'm not an insurance specialist by any means but that is it in a nutshell.
Lol, my insurance company, Allstate, maxes out at $100,000 of collision. You can't get more than that without an umbrella policy, but that is not an auto insurance policy.

A million dollar auto policy, if I could get it would probably be like $10k a year.

****, about a quarter of the drivers here don't even have insurance. And a lot of drivers don't even have a license plate!
 

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Because not EVERYTHING is free. The basics are, though. In Canada there aren't people who declare bankrupcy because of a medical condition like in US. Cancer is covered by default, for exemple. The meds are - 80% price. If you go do a colonoscopy, it doesn't cost you a thing. If you go to the emergency for whatever problem, you don't pay a dime. Any type of surgery doesn't cost a dime.
But if you want accupuncture, well, you pay the price or pay an insurance that covers 60-80% of it. Same for the glasses. You want to be covered and deduct lets say 400 $ from the price of a pair of glasses every 3 years, you pay for an insurance that covers this and that's it. Or for dentist - if you want to have 60% to pay instead the full price, you get an insurance to cover it. It's really the oposite of what's in US, where people have to sell a life insurance for exemple to afford the meds they need (it was a pub on the subject, old cupple sold their life insurance to be able to pay for meds). From what I saw, from a distance, of course, better NOT be ill in US, or you are fucked.
Dude, don't even get me started. When we had our first baby a couple of years ago, standard birth with absolutely no problems, AFTER my PLATINUM level health insurance plan, it cost me $33,000. The first day we were out of the hospital, they were already calling and emailing in order to set me up with a payment plan. They even tacked on an extra $8,500 for nursery fees... even though they don't actually have a nursery. This is from a top-10 hospitals in the US.

Completely insane. The day I paid off that $40k -ish payment after two years was a huge relief, particularly when my job fired me for trying to take some paternity leave.

Did I mention I pay $26,000 a year for family health insurance?

Ah, its wonderful down south.
 
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