However, I do not believe much of it got into my keys due to the fact that I have a keyboard cover. I haven't had any problems with it so far. What should I do?
MacBook Pro (15-inch, Mid 2012)
Wait until it starts giving trouble then buy a new machine, backup in the meahwhile.
I haven't had any problems with it so far. What should I do?
Trouble will find you if we consider the history of notebooks and spilled anything. The percentage of people who get away without any damage is tiny.
Such incidents are not covered by warranty and the cost of the parts to fix could be well more than a new computer by the time you include labor.
What to do now? Immediately place your homeowners'/renters' insurance carrier on notice that there has been a damaging accident. Many policies provide protection against accidental damage to computers. You'll have to pay a deductible obviously, but that should be cheaper than repairs or a new computer for most policyholders.
Allan Jones wrote:
What to do now? Immediately place your homeowners'/renters' insurance carrier on notice that there has been a damaging accident. Many policies provide protection against accidental damage to computers. You'll have to pay a deductible obviously, but that should be cheaper than repairs or a new computer for most policyholders.
Only problem with that is the insurance carrier raises the rates on you after you make a claim.
One never really gets something from nothing with insurance, in fact one actually pays more over time because insurance companies have to pay claims, overhead and generate a profit.
Then all those ripping off the system also adds to the rates.
The benefit with insurance is one gets cushion in case of a tragic loss that one can't afford to accept.
If one can accept the tragic loss, then one will save money not having insurance.
If the OP files a small claim of a accidental drink spill on a computer, the insurance company may pay it, but will raise the premiums and add that incident to the OP's risk factor. "Perhaps he will accidentally fall down the stairs" "or set his house on fire" or something else like "insurance abuser" to give them a excuse to raise premiums on a entire house, car etc. then that's shared with other insurance companies.
Insurance companies want to make all the money and pay out nothing or very little, or depreciate everything or use wages from the cheapest part of the country in their estimates. They would use PC repair data figures instead of the higher Apple figures.
Trust me, I've filed a major flood claim after a hurricane, it wasn't pretty, we almost had to sue the insurance company as they estimated only $50,000 for the lost of three bathrooms, three kitchens, cabinets and all appliances, three hot water heaters, three sets of washer and dryers, replacing 4 feet of drywall up from the floor, and all resulting electrical wires, outlets, trim, painting, flooring, carpets TV's, stereos, personal furniture, labor etc etc.
It was way over $50,000 and that included depreciation, then they raised the next years rates through the roof that people had to sue them to bring it back down.
Insurance adjusters get rewarded by the company the less they get customers to take in claim amounts.
It's not like BP where they can just throw money away from a oil well to make everyone happy as not to get them kicked them out of the country.
ds store wrote:
Allan Jones wrote:
What to do now? Immediately place your homeowners'/renters' insurance carrier on notice that there has been a damaging accident. Many policies provide protection against accidental damage to computers. You'll have to pay a deductible obviously, but that should be cheaper than repairs or a new computer for most policyholders.
Only problem with that is the insurance carrier raises the rates on you after you make a claim.
In case you failed to notice Insurance carriers raise their rates on you even when you don't claim, what a pointless thing to say.
Csound1 wrote:
In case you failed to notice Insurance carriers raise their rates on you even when you don't claim, what a pointless thing to say.
The may raise rates depending upon economic factors, but it's competition from other insurance carriers that keeps the rates down.
Once you file a claim though, that's a loss they have to make up for, thus they may not lower your rates along with everyone else's or even raise your particular rate, or raise on everyone else equally to absorb substantial new costs of doing business, like if they had to pay out a lot of claims for instance.
It's complicated, but the insurance companies always come out making a profit in the end or else they go out of business.
All they do is provide cushion against a tragic loss, and that's the only time one should really use it, then drop them for another insurance company.
If you make a claim, they raise or not lower your rates and you wind up paying over the long haul anyway.
ds store wrote:
Csound1 wrote:
In case you failed to notice Insurance carriers raise their rates on you even when you don't claim, what a pointless thing to say.
The may raise rates depending upon economic factors, but it's competition from other insurance carriers that keeps the rates down.
Once you file a claim though, that's a loss they have to make up for, thus they may not lower your rates along with everyone else's or even raise your particular rate, or raise on everyone else equally to absorb substantial new costs of doing business, like if they had to pay out a lot of claims for instance.
It's complicated, but the insurance companies always come out making a profit in the end or else they go out of business.
All they do is provide cushion against a tragic loss, and that's the only time one should really use it, then drop them for another insurance company.
If you make a claim, they raise or not lower your rates and you wind up paying over the long haul anyway.
Are you for real?
Csound1 wrote:
Are you for real?
How many claims have you filed?
How many people in the insurance company do you know?
When you have something more factual to contribute like hard expereince, then make your point.
My point?
You advise someone not to claim because it will cause their rates to go up?
Advice like that is a reminder to not bother with you.
Csound1 wrote:
You advise someone not to claim because it will cause their rates to go up?
Not exactly, they shouldn't file a claim on something that they can'y easily absorb the loss of.
Or if it will affect the rates of something larger like homeowners insurance and/or their reputation with insurance companies.
They keep a record of your past claims and make decsions on your future rates or even giving you insurance in the first place.
I had a car insurance company raise my rates to $4000 PER QUARTER ($12,000 a year) for one traffic ticket when I was going to college. My car at the time only cost $600.
How did they find out about the ticket?, the State government told them.
So you see if you present yourself to insurance companies as a possible threat or they may have to pay out a huge claim, they will raise your rates very high to force you to quit them.
They don't want to pay out period and they especially don't like risky customers.
So one needs to keep this in mind when filing a small claim and risk their status and claim history.
Heck I dented a guys body panel in a parking lot and the insurance company screamed because I was in a state several ones away from the one I lived in.
They tried to not pay by asking me questions like "Were you wearing your seatbelt" "Did you look behind you as you backed out"
If I answered "No" to any of those questions they would have denied the claim. Good thing I was wearing my seatbelt and I did look behind me, but the car was small and in my blind spot.
Apple juice was spilled on my laptop.
