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Sam from Gthing.net and our buddy Brikon introduced me and my other roommate to Skurfing. Wake-Skate surfing on a canal. We go to a canal in near the mouth of the Spanish Fork Canyon, tie a rope to a cross-beam thing across the canal, and hop on to a wake-skate type board and ride the waves.

The reason this canal is ideal, is a small drop in the cement lined canal, which shoots the water down in a fast and streamlined manner as seen in the video and the pictures. Brikon made the wood board we used, and the video is one Sam took on his first time going. No broken necks, and no injuries (that we will tell you about).

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State Farm Review

Like a good neighbor, State Farm will screw you over .

I normally try not to whine too much on my blog, but some events surrounding a car accident I was in has lead me to detest State Farm Mutual Automobile Insurance Company. My experience was bad enough that I not only left them likely forever, but I also pro actively prevent people from using their services and will use my blog to share my story with others. After writing and re-writing this a few times, I realized it’s hard to comprehensively explain the problems that happened in a short summary, so my apologies for the long post.

The Wreck

I thought about going into major details here, but basically the wreck wasn’t small. My car flipped around and almost slammed into a store front, pretty bad neck and back damage. An ambulance came, Provo police gave the other guy a few tickets since it was clearly his fault and he broke laws designed to prevent accidents. I was hauled off to the ER for X-rays of my neck and back since both hurt quite bad. The police got the other man’s insurance info and grabbed some of my personal effects out of the car. My family has been with State Farm for as long as I can remember, and we have never had any major wrecks, so no major claims to really test their service until this.

The car was hauled to a holding lot in Provo, and at State Farm’s recommendation we have it later moved to a lot in Springville, UT nearby where I live, to be close during the repair, or assessment of total loss process. I already knew for a fact that the car was totaled. It was likely destroyed enough to be totaled and I am sure every insurance company probably would have agreed. Luckily I had Comprehensive coverage from State Farm. Luckily right?

Insurance Mess

They (State Farm Insurance) A.K.A. State Farm Mutual Automobile Insurance Company arrange for a rental car, and since I know for a fact my car is totaled, they said the rental will be covered until a few days after they make an offer/settlement on my totaled car. At this point, with the 5 minute conversation to make the claim, and arrange the rental I felt comfortable with State Farm handling it. I asked them what processes I should follow, who I should contact for what, etc.

I missed work, started physical therapy on my back and neck, State Farm agreed to cover everything and said they would “take care of me” and all the bills from the wreck, with which they said they would pay upfront and then later get the money for everything from Nationwide Mutual, the company who covered the driver who was at fault. I thought this was a good idea because I didn’t want to have to deal with both companies, and have some bills go through one and some through another.

The first major problem anyone might encounter with State Farm and the way their claim service is set up, is that you will rarely talk to the same person twice unless you have a super nice dedicated agent that wants to be the middle man between everyone. They have a “team” of people (call center style), and as they started collecting statements and gathering info about my car, the wreck, and my bills, made an offer for my car, etc, no one communicated very well with anyone else and everything is based off of “notes on your account” which never said anything to help me. I had to deal with Nationwide Insurance for the medical bills once State Farm actually came forward and said they wouldn’t pay for them anymore. At Nationwide, there was one person over my entire claim who remembered me very well every time I called in.

State Farm stopped paying the medical bills after about 3 weeks, and since I still needed therapy I had to pay it out of pocket (send it to my crappy personal insurance I was paying for) and then try to get Nationwide to pay back the bills. After a few weeks of having a rental car, State Farm came to me and said that they wouldn’t pay for the past week, and nothing further. This was stressful because I still had a loan out on my Galant, they hadn’t made an offer yet for my totaled car, and I was broke from not being able to work. The rental was 30$ a day, so close to $300 in the last few days of driving, and how ever much longer I might need it until I find a replacement car. I needed a rental until I could finally get an offer, accept it, and buy a new car. I was forced into a situation where State Farm eventually changed their opinion after a few heated conversations and said they would cover the rental, but might bill me later. They reversed their stand on the rental car issue with every person that I talked to. I got uneasy and was kind of forced into buying a super cheap Daewoo to hold me over.

I left my stereo system and after market rims and other stuff on the car because there was a chance State Farm might give a fair value for them ( this I did at the recommendation of one of the State Farm employees I talked to). If they wouldn’t pay fair market value, then I would pull everything off/out of the car and put the stock ones back on. I still owned the Galant, and had not received payment for it, nor gave permission for anything to be touched. State Farm called me and said they wouldn’t consider those parts in the value of the car so I could go get them, I verified the car was still at the local lot/repair shop it was supposes to be at and literally just 5 minutes later I go over to the lot to get them off and the repair shop said the car was moved by State Farm Insurance a week or 2 previous. State Farm moved the car I still owned to a wrecking/auction yard way up in Northern UT, despite me never giving permission to do so.

My car was stolen by my own insurance company with (Read the article)

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This is a tutorial on how to remove those brown spots, chrome rust stuff as well as small/light scratches from your motorcycle exhaust. Chrome is also found on car exhaust, tire rims, and other parts of cars and bikes. This same technique can pretty much be used on it all.

I own a 2007 Honda VTX 1300 Motorcycle which you can see by viewing this wallpaper. Aside from random kids deciding that my bike is nothing more than a play ground, I have also received damage from girls shoes (getting on and off the passenger seat), those pesky little brown spots that start growing on chrome, scratches from me trying to get the pesky brown chrome spots off, and even me accidentally being stupid enough to have something on the key chain aside from the bike key.

Anyone who buys something slightly pricey, should consider whether this is something that they want to take care of and keep nice, or just let normal wear happen as it happens. These scratches aren’t the ‘life or death’ kind of wear and tear, but it sure would have been nice to try and avoid them a little bit. Especially since I don’t plan on keeping this motorcycle forever (though if I took care of it, it would be an awesome graduation present if I ever have a kid). So for the time that I do have it, I think taking care of it is financially smart to keep the resell value up, and it also just plain sucks to have an impeccable machine with one nasty little area of scratches on it.

My friend Jake has quite a bit of knowledge on taking care of chrome. Things he learned from working cars and especially things he learned from owning a sweet v-four Honda Magna. Which happens to have 4 massive chrome exhausts on it. He taught me the basics of getting rid of these scratches, and caring for the chrome on my bike. Something which I figure many people who have chrome on their bike or car should know as well.

Things You Need To Buy

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