bwco

ML430 MY00' with stock housing. Is there anyway to disable the DRL?

I'm the kind of person that just get in and drive. Is there a manual turn knob that I can set to disable the DRL? Reason is that I'd 6000K HID installed.

**i know there's gonna be glare and beam pattern problem or blinding issues etc. But the HID kit is free and free install.

sosh

Believe that this must be done by a dealer with the Star computer. However aren't you being inconsiderate and creating a dangerous situation with the HID's that you admit are lousy?? If they blinded me and created an accident you would be sued for everything you have.

bwco

Thanks for the valuable input regarding to the DRL.

But, you're so... ... smart about the legal part! Car accident will not affect my assets or bank account. Even if I did T-bone you and killed you in a "car accident". My insurance will cover it. Do you know "insurance" existed?

sosh

I can assure you that you do not carry enough liability coverage to take care of a small per centage of what I would get.

mihir_d

I am up for my policy renewal and my insurance agent just thought that I was carrying too much liability coverage at 250K/500K - advised me to bring it down a bit to lower my premium - probably to something like 100K/300K.

I still don't fully understand how to calculate the most appropriate liability coverage for oneself....but I faintly remember using a rule of thumb that said, your liability coverage should be at least equal to your net worth....my net worth would have dropped in the last 2 years due to falling home prices...just as for most other home owners...and I may not in fact need that high a liability coverage..

Can anyone help me understand the most correct way to calculate appropriate liability coverage....I seriously want to get this right..since lowering the liability to 100K/300K is bringing down my premium quite a bit...

sosh

Your net worth including your wife's and all of the value of your real estate and other property is a good place to start. However in my estimation that is far from enough as in many states awards can go well beyond your net worth and you could find yourself with your salary attached for all your working life and being unable to purchase anything in your name. What I do is above and beyond the car policy limits purchase an umbrella liability policy with extremely high limiits and thats not very expensive. To qualify for an umbrella most insurance companies require a high limit on the auto policy also. I believe that you have received bad info from your agent who is only looking at the short term savings not the long term liabilities

mihir_d

Maybe, I should then just keep the liability coverages as is and look into an umbrella coverage too..I did not know, they could go after your wife's assets too..

In that case, reducing the liability coverage in my case would certainly not be a wise thing to do...

bwco

you should've asked me how much my insurance coverage is ahead of time. What about 3 Million. And all it takes is hire a good lawyer and I"ll give him 40% of what I'll get from you for involving in the accident.

bwco

Are you sure? I killed someone 4 years ago and I don't have to pay a dime !

AsianML

You say that with pride?

MB-Dude

Not sure that's something you really want to brag about.

harpz

He's probobly full of himself
If u think ur so smart consider this
$3 million is really nothing when it comes to a loss of life
let me tell u something if u took that attitude with the wrong person it doesn't matter what ur lawyer can do if u can't breathe

I've seen ppl killed....u killed someone eh?
try this put ur best friend in front of you
have some guy pull a gun and shoot him in the head in front of you...have his blood on ur face
and then tell me if u can kill someone...
Get off the ****ing internet and grow up okay?
Stay off the road and use common sense

bwco

wow, that sounded scary ! I saw that on tv. Grow up? I'm too old !

bwco

I'm not pride. It's unfortunately an accident that occured. And to let others know that insurance is very important.

55fanatic

gtfo of this forum, you are a mess... if you have that much money go buy real bixenons

sosh

I agree, not a wise thing. Liability is the least expensive portion of the policy and umbrella policys are inexpensive. If my memory serves me right I pay about $280 per million for them. By buying a limited policy you are in fact self insuring for a possible big hit.Laws also vary state to state so check it out where you live.

bwco

Yes. Especially, seeing dead people all the time doesn't make me sick anymore. And try not to believe in what other's say on the internet.

At the end, with over dozen's of replies, none of them answers the question of DRL.

amdeutsch

1) MBW does not support the violation of your country's law.
2) I also suggest you change the description of your vehicle to match the TOU.

HTH

GordonTse

wow.. this thread is way OT!!

bwco

1) I did not seek support of MBW for my own act or you call it violation of your country's law.
2) You are way off topic. Please refer to the beginning of this thread.

Your input is greatly appreciated!