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      IMPORTANT - READ BEFORE POSTING to SUPPORT FORUM   01/28/2011

      Posts to this Support Forum are to be related ONLY to one's ARCR membership. Posts inappropriate to the Support Forum will be removed without comment. Please post all other types of questions to the appropriate Forum. Only Forums Moderators, Administrators and ARCR Employees ae able to make any replies to this ARCR Support Forum. Paul M. Forums Moderator ==

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Epicatt2    0

As for me, my take on the 'bars thingy' is that I never have found them to constitute any sort of 'jail' since I have the keys to enter and leave my dwelling whenever I choose.  And like Eleanor, I find that I've gotten to the point where I do not notice them.  Plus it is great to be able to leave my doors and windows open to enjoy the nice breezes that CR offers, and yet still feel secure.

¡Unos pocos más de mis graniticos de arena!

Paul M.

==

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newman    0

having liability insurance only protects you for the limits of the policy. If you are sued for more, you are still liable for the difference

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eleanorcr    0

True, newman.  But Costa Rica is not "lawsuit happy" like in the US.  Although, if it's a "rich gringo" haha.

I guess it's just another reason to drive carefully and soberly and a bit slower than you'd like.  I do drive a bit slower than people behind me like, but I have avoided at least two potentially deadly accidents by doing so. 

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induna    0

And lawsuits here are decided by judges who determine damages based on technical information and not on emotion. Juries are much more likely to assign very high damages.

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On 9/24/2017 at 11:57 AM, newman said:

having liability insurance only protects you for the limits of the policy. If you are sued for more, you are still liable for the difference

The liability insurance coverage available here (again, at very reasonable costs) is likely greater than the value of the assets in a corporation that insurance would protect. It is, of course, possible that a judge would find in favor of the injured party in an amount greater than the limits of the liability policy but has anyone ever heard of such a ruling? Even one? Ever?

 

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Hmmm. Will have to look into getting liability protection for our property. I thought the idea of the SA was that they couldn't take the property from you ... if the property has no assets (i.e. it's non-profit) how do they get money out of it if you're sued and lose?

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Derrick102    0

if the property has no assets (i.e. it's non-profit) how do they get money out of it if you're sued and lose?...............If the property is worthless, it is not an asset. If it has value, it is an asset. If you are sued and lose, they can take the property.

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Derrick102 is right, James. It isn't the property that has the assets, it's the corporation that owns the property that has the assets, the property itself. 

It's highly unlikely that any vacant land has no value whatsoever. And it's even more unlikely that land with a building like (say) a residence has no value either. So the corporation that owns the property and the buildings on it must, by definition, have valuable assets. Those are what are at risk if a lawsuit against the corporation succeeds. 

Too, imagine that some non-profit corporation (use the Cruz Roja as an example) is successfully sued. True, it's a non-profit, but it can and does have assets. Who do you suppose owns all those offices, ambulances, etc? It's the Cruz Roja, the non-profit corporation. 

 

Edited by David C. Murray

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Right, I get it . So if you are sued for, say $10,000, some judge gives the winner a $100k property and it is sold at auction for $50k for example and you get the other $40k? Just wondering how that would work. Surely i will look into getting insurance. But just wondering how this would work...

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eleanorcr    0
On 7/13/2017 at 5:05 PM, jamesofomaha said:

Unfortunately we do live at least 10km from the nearest bus! That's why this slow insurance payout thing I've heard about, is a concern to me.

I am really late to this party, I know, but I saw this the other day and have given it some thought.  I was in a similar situation after an accident where my little truck was in the shop for 6 weeks.  (Yes... six weeks.)  I lived only 3 km from the bus line, but it was either straight down or straight up  steep hills.  I would sometimes walk down to the bus stop and taxi back up but sometimes I just didn't feel like walking.  So here are some things that might be useful to you if you are ever in that situation, James.

1.  Local taxis -- use these to pick you up and take you to the bus stop or take you to some local shopping.

2.  Friends and neighbors -- people in Costa Rica are really good about giving rides to other people.  But if where you live is truly remote, that could be a problem.  Would it be possible to walk to a more-traveled road and pick up a ride there?

3.  Talk to local shopping - supermarkets, hardware stores, etc, and see if they will deliver.  Almost all of them will, for a fee.  And you can call the supermarket or other stores and put in an order and they will send it to you, either by their own transport or by taxi.

4.   Car rental -- rent a car for a week and get as much done as possible during that time.  Some bus travel might be involved in picking up the car, of course.

5.  Be as efficient as possible.  Look ahead to see what needs to be done in the next month that can't be done via internet or phone and try to get all that done in one fell swoop, if possible.  This would limit your need to use the bus to get to town or need for a rental car.

6.  Cheap car rentals.  This one is tricky!  I own a 7-passenger van and some friends rented my car for a couple of days when family came to visit and they only had a small truck.  This is definitely some "under the table" type of thing, so must be very careful.  But it might be possible to find a local person who would be interested in letting you rent their car for a while.  One also must be very careful when renting from some official rental car companies that offer really cheap rates.  They are really cheap for a reason:  Things don't work right and there is essentially no customer service.  Like... windows don't work, horn doesn't work, tires slick, car breaks down strands you and they do nothing about it.

Let's hope that none of us is ever in the "car totaled" situation but if that happens, perhaps some of these suggestions will work if one has to wait a long time to get a replacement

 

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8 hours ago, eleanorcr said:

I am really late to this party, I know, but I saw this the other day and have given it some thought.  I was in a similar situation after an accident where my little truck was in the shop for 6 weeks.  (Yes... six weeks.)  I lived only 3 km from the bus line, but it was either straight down or straight up  steep hills.  I would sometimes walk down to the bus stop and taxi back up but sometimes I just didn't feel like walking.  So here are some things that might be useful to you if you are ever in that situation, James.

1.  Local taxis -- use these to pick you up and take you to the bus stop or take you to some local shopping.

2.  Friends and neighbors -- people in Costa Rica are really good about giving rides to other people.  But if where you live is truly remote, that could be a problem.  Would it be possible to walk to a more-traveled road and pick up a ride there?

3.  Talk to local shopping - supermarkets, hardware stores, etc, and see if they will deliver.  Almost all of them will, for a fee.  And you can call the supermarket or other stores and put in an order and they will send it to you, either by their own transport or by taxi.

4.   Car rental -- rent a car for a week and get as much done as possible during that time.  Some bus travel might be involved in picking up the car, of course.

5.  Be as efficient as possible.  Look ahead to see what needs to be done in the next month that can't be done via internet or phone and try to get all that done in one fell swoop, if possible.  This would limit your need to use the bus to get to town or need for a rental car.

6.  Cheap car rentals.  This one is tricky!  I own a 7-passenger van and some friends rented my car for a couple of days when family came to visit and they only had a small truck.  This is definitely some "under the table" type of thing, so must be very careful.  But it might be possible to find a local person who would be interested in letting you rent their car for a while.  One also must be very careful when renting from some official rental car companies that offer really cheap rates.  They are really cheap for a reason:  Things don't work right and there is essentially no customer service.  Like... windows don't work, horn doesn't work, tires slick, car breaks down strands you and they do nothing about it.

Let's hope that none of us is ever in the "car totaled" situation but if that happens, perhaps some of these suggestions will work if one has to wait a long time to get a replacement

 

 

Appreciate your comments. Unfortunately most of them don't apply to me as, yes, I do live in a very remote area and there is no nearby bus nor nearby taxi, the taxi has to come from 8 miles away so it's expensive. Yes a neighbor might be able to help me with a ride. But the pickens are slim.  Or I might be able to get a ride if I go out and walk and "hitch-hike".

No store is going to deliver where I live.

A rental car would have to be a 4x4, I'd have to go all the way to Alajuela or the airport to rent one, and last time I did it cost $500 a week with insurance. A taxi from 8 miles away would be cheaper!

So yeah, I know, I live in a place where a car is pretty much a necessity and if I am without it, it is a hardship. That's just how it is and I accept that.

I just wish that car insurance was reliable like it is in the USofA. Some things here just aren't as good.

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Epicatt2    0

Maybe a horse might be in order to get you to town and/or to the bus.  (Horse prolly could stay with a sympathetic in-town neighbor while you went off on the bus.)

Horse could help carry the groceries, etc., back home after a trip to town and he'd also be good to help keep your yard cropped down.

Just a tico type idea.

Cheers!

Paul M.

==

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Hey Paul, we did look into getting a horse and as it turns out it costs a bit to feed them and our local expert says we have a type of grass they won't eat so we'd have to buy feed which is a bit expensive actually for someone on a tight budget. Wouldn't mind having one though. Then of course you're bound to have vet bills at some point...

I would like to have a burro or mule instead actually, but the same problems exist. Looked into buying one and WOW! I guess around here they are much more expensive than a horse is! Go figure! Guess that's why we don't see a lot of burros and mules. However I heard they USED to be cheaper...

I figured out that IF I had no car here I'd just have to pay $22 or so for a round trip into town every week. Not ideal but do-able and actually cheaper than owning a car what with insurance, gas, upkeep, etc. But it's just that a car is so important to have in the case of an emergency, and also much much more convenient!

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Epicatt2    0

Maybe getting some starts of suitable forage grass that a horse (or burro) can eat and plugging it around so as to gradually (or faster) edge out the stuff that is not good for forage would ultimately net you a less expensive horse cost by reducing much of the horsefeed expense.

¡Solamente dos más granitos de arena!

Paul M.

==

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eleanorcr    0

I think you've gone off the rails a little bit, Paul.  Plant grass to feed a horse/mule/burro?  I guess you would then need to construct a corral, make sure your property is fenced, see that there are no plants that are poisonous to the animals, build a shelter for them to keep out of the rain, bedding for the shelter, vet calls (8 miles out...or more....), medicines, grain, vitamins.....  it's complicated looking after a living thing.

If having a Plan B for transportation is a real worry and a real need, then so much easier just to buy an inexpensive used motorbike.  It doesn't eat when you don't use it and can sit on blocks under a tarp while not in use.

I feel your pain, James!  I've lived in a remote area like yours and while it's truly a blessing with all the wild around you, it can sometimes be a curse.  I'm sure you will figure it out. 

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