Pharmacies getting robbed?!?

[Theta16]

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The New York Times had an article detailing pharmacies targeted by addicts for OxyContin.

This has been discussed before on an anecdotal level, but I guess it's becoming widespread enough that the FBI/law enforcement agencies are taking it seriously. I thought the miniature tracking devices were interesting.

 

[R2pharmD2]

"Still, Mr. Satterberg said, the threat of robbery has made it difficult for retail chains in the state to recruit enough pharmacists in recent years."

An unexpected solution to the pharmacist surplus?

 

[WhiteSnows]

Awesome, time for pharmacists to bear arms.

 

[Naidim]

"More than 1,800 pharmacy robberies have taken place nationally over the last three years"

Wow. But how does that rank with the three previous years?

 

[Praziquantel86]

Awesome, time for pharmacists to bear arms.

 

[broland]

My mentor, a 26 year old female pharmacist at CVS, has been robbed twice in the last month by the same person. it's crazy around here rx addiction is out of control.

 

[ttopping]

👍

 

[Electrode]

The New York Times had an article detailing pharmacies targeted by addicts for OxyContin.

This has been discussed before on an anecdotal level, but I guess it's becoming widespread enough that the FBI/law enforcement agencies are taking it seriously. I thought the miniature tracking devices were interesting.

But won't they (potential future robbers) simply get smarter by emptying the bottle before exiting the pharmacy?

I think it'll make an interesting show if the tracking devices were disguised to be like the target pills/drug. Maybe two per bottle, and you'll have people gulping down electronics

 

[ucrx]

"More than 1,800 pharmacy robberies have taken place nationally over the last three years"

I'm not surprised at that number at all. Two of my classmates (that I'm aware of) have been robbed, and I just graduated last May. They don't work in "bad" areas either.

 

[broland]

I think it'll make an interesting show if the tracking devices were disguised to be like the target pills/drug. Maybe two per bottle, and you'll have people gulping down electronics

really a good idea as long as people are paying attention and they don't get included as a patients dose! lmao.

 

[MountainPharmD]

Man, I wish I had bear arms! That would be crazy awesone!

 

[pharm B]

But won't they (potential future robbers) simply get smarter by emptying the bottle before exiting the pharmacy?

I think it'll make an interesting show if the tracking devices were disguised to be like the target pills/drug. Maybe two per bottle, and you'll have people gulping down electronics

I assume most robberies are quick and dirty and, in the case of pharmacies, involve a large number of little containers. I don't know that they'll have time to sit there and pour out the contents of their newly-obtained bottles. If they forget to do just one...

 

[Sparda29]

I assume most robberies are quick and dirty and, in the case of pharmacies, involve a large number of little containers. I don't know that they'll have time to sit there and pour out the contents of their newly-obtained bottles. If they forget to do just one...

I don't get why pharmacies don't have full coverage cameras in their parking lots that cover all angles so that they can identify the getaway car. It would have been very helpful a couple of years ago when some mother****er dinged my car and didn't come into the pharmacy and claim responsibility. If CVS had a ****ing camera in the parking lot, I would have had a Make/Model/and License Plate to give to the cops so they could go after the person.

 

[TemSirolimus]

i mother****er dinged my car and didn't come into the pharmacy and claim responsibility.

lol..dont you have insurance?

you have faith in peeps. Once I packed my ride on the street and woke up one morning and my driver's side mirror had magically detached. Oh, there was also a very angry scratch to the side.

I had just ditched some girl, but I dont think she was that nuts.

 

[Momus]

It would have been very helpful a couple of years ago when some mother****er dinged my car and didn't come into the pharmacy and claim responsibility.

Dude, **** I am with you. When I bought my car, it had 1 dings I recall... Now, my car has at LEAST 12 dings ALL made by ****ing *****s who don't know how to open their door slowly... Boy, watch me when my car turn into 10-15 year old car, I am gonna ding the every god damn nice looking car out there with my door for revenge!

 

[owlegrad]

Dude, **** I am with you. When I bought my car, it had 1 dings I recall... Now, my car has at LEAST 12 dings ALL made by ****ing *****s who don't know how to open their door slowly... Boy, watch me when my car turn into 10-15 year old car, I am gonna ding the every god damn nice looking car out there with my door for revenge!

Twice I have had my car HIT by family members while it was parked in the drive way. 🙄

Dings? Don't even get me started. More than I can count. I once had a car full of ******* teenagers throw an empty glass bottle against my car as they drove by (I was in the f****** car!). Once I was on I-95 and a truck in the next lane picked up a pebble and it hit my windshield, cracking it.

Once while I was working at a grocery store I watched as someone slowly creeped up into a parking space until they "gently" tapped the car in front of them. Then they backed up just a bit and parked. I thought that was a pretty effective way to know when to stop.

 

[Jabberwocky12]

lol..dont you have insurance?

Being an insurance agent I will tell you that you NEVER want to file a claim on your auto insurance. It makes your rates go up, you can lose discounts, and you also might not be able to get certain coverages if you have enough claims made at-fault. You would be using uninsured motorist coverage which isn't even required in some states like FL. And yes, while the person hit you was at fault, using the UM coverage means the insurance pays for your car and therefore they file it as at-fault 99% of the time.

And that crap follows you for years, across insurance countries. You don't like Geico? Allstate will know about those claims, too since there is a central database. So yeah, if you can get the insurance from the person who hit you, THEY get the ding on their record for paying for your car rather than you. That's why you trade insurance information during a wreck. For example, if Owle hits me, I call HIS insurance company, not mine.

Some exceptions to this and making your rates increase would include:

Comprehensive
Medical Payments
Towing and Labor

 

[R2pharmD2]

Being an insurance agent I will tell you that you NEVER want to file a claim on your auto insurance. It makes your rates go up, you can lose discounts, and you also might not be able to get certain coverages if you have enough claims made at-fault. You would be using uninsured motorist coverage which isn't even required in some states like FL. And yes, while the person hit you was at fault, using the UM coverage means the insurance pays for your car and therefore they file it as at-fault 99% of the time.

So I shouldn't even bother turning in the crack in my windshield to insurance? It was attacked by one of those vicious dump truck pebbles and has been growing larger as of late.

 

[Jabberwocky12]

So I shouldn't even bother turning in the crack in my windshield to insurance? It was attacked by one of those vicious dump truck pebbles and has been growing larger as of late.

Without knowing all the details, I would consider that to be a comprehensive claim. Comprehensive is considered "nature" or "acts of God." If a tree falls down on the car, if you hit a deer that ran out into the middle of the road, if a rock hits the windshield, theft, fire, vandalism, things like that.

Just be careful because there is usually a deductible and it might be more than your actual repair. And while it might not increase the rates, some insurance companies use the number of comp. claims in their underwriting guidelines to write you into certain lines of coverage, or whether or not to continue your coverage.

On the grand scheme of things though, comp. isn't that bad.

 

[R2pharmD2]

Thanks for the tips 👍

 

[TemSirolimus]

Being an insurance agent I will tell you that you NEVER want to file a claim on your auto insurance. It makes your rates go up, you can lose discounts, and you also might not be able to get certain coverages if you have enough claims made at-fault. You would be using uninsured motorist coverage which isn't even required in some states like FL. And yes, while the person hit you was at fault, using the UM coverage means the insurance pays for your car and therefore they file it as at-fault 99% of the time.

And that crap follows you for years, across insurance countries. You don't like Geico? Allstate will know about those claims, too since there is a central database. So yeah, if you can get the insurance from the person who hit you, THEY get the ding on their record for paying for your car rather than you. That's why you trade insurance information during a wreck. For example, if Owle hits me, I call HIS insurance company, not mine.

Some exceptions to this and making your rates increase would include:

Comprehensive
Medical Payments
Towing and Labor

some good info right there

 

[Jabberwocky12]

some good info right there

I do want to say though that if you need to file a claim, then file it. If you run into a lamp post and have collision, make the claim and get your car fixed/paid to buy a new car since you're going to be using your insurance to pay for the lamp. Insurance is there to protect you and you should use it when needed. I also cannot advise someone to NOT file a claim, but some of them are not worth the effort and mark on your record.

If someone dings your car, don't file a claim. If you back into a mailbox in your new car, I wouldn't do it. Your deductible will make you pay most of that claim (for many people) and the increase in premiums and claim history will make it cheaper in the long run to pay out of pocket. 'd highly recommend filing a claim only if you know it will cost a lot of money and you were at fault...

PM me if you have any other questions but I don't want to be talking about this a lot on a forum since I don't want to advertise services or anything.

 

[Sparda29]

lol..dont you have insurance?

you have faith in peeps. Once I packed my ride on the street and woke up one morning and my driver's side mirror had magically detached. Oh, there was also a very angry scratch to the side.

I had just ditched some girl, but I dont think she was that nuts.

Yeah I have insurance, but that is there in case I harm someone else or their car. If my car is harmed, then the other person's insurance should pay for it.

What I cannot stand from NY is the 50:50 liability. In the accidents I've been involved in, police placed fault on the other driver based on the way the cars were damaged.

However, the insurance companies decided that since there was no accident reconstruction done at the scene, and that there were conflicting stories between me and the other driver, that the liability be 50:50, even though the police report put full blame on the other person.

For example, I was in a car accident in May. I was heading south on a road that had 1 lane in both directions separated by a double solid yellow line. The other car was parked on the shoulder on the same side of the road that I was traveling on. The other person decided to start inching out to either pull out or make an illegal u-turn. I don't know why she expected me to stop and allow her to pull out, but what ended up happening was her slamming into the right rear side of my car.

Now when the police came, her story was that she was already on the road, and that I attempted to illegally pass her, causing a sideswipe, which ripped off her bumper. 🙄

Her Car, I dunno how she ended up on the other side of the road.

My car.

 

[Jabberwocky12]

In general NY has some of the worst insurance laws in the country, with NJ being a close second. I think like 20+% of their claims are fraudulent in liability only. NY is also one of a few states that are like, zero liability meaning that pretty much no matter what you are using your insurance to pay for something. This is partially why they REQUIRE medical payments in many companies rather than it being optional like in most other states.

I'm only licensed in like, 22 states though. I hear a few more can be worse...

 

[Rxtillidie]

But won't they (potential future robbers) simply get smarter by emptying the bottle before exiting the pharmacy?

I think it'll make an interesting show if the tracking devices were disguised to be like the target pills/drug. Maybe two per bottle, and you'll have people gulping down electronics

then they will come back for revenge..haha

 

[owlegrad]

... That's why you trade insurance information during a wreck. For example, if Owle hits me, I call HIS insurance company, not mine...

WTF?! 😡

 

[Jabberwocky12]

WTF?! 😡

Yeah and in my scenario you also cause me paralysis and my girlfriend to go into early labor with my twins. On the way to the hospital she gives birth in the ambulance. You bastard!

Sorry I abbreviated the scenario for you, I'll make sure to go more in depth next time.


😛

 

[All4MyDaughter]

So I shouldn't even bother turning in the crack in my windshield to insurance? It was attacked by one of those vicious dump truck pebbles and has been growing larger as of late.

Without knowing all the details, I would consider that to be a comprehensive claim. Comprehensive is considered "nature" or "acts of God." If a tree falls down on the car, if you hit a deer that ran out into the middle of the road, if a rock hits the windshield, theft, fire, vandalism, things like that.

Just be careful because there is usually a deductible and it might be more than your actual repair. And while it might not increase the rates, some insurance companies use the number of comp. claims in their underwriting guidelines to write you into certain lines of coverage, or whether or not to continue your coverage.

On the grand scheme of things though, comp. isn't that bad.

There are no deductibles on glass claims in this state.

 

[owlegrad]

Yeah and in my scenario you also cause me paralysis and my girlfriend to go into early labor with my twins. On the way to the hospital she gives birth in the ambulance. You bastard!

Sorry I abbreviated the scenario for you, I'll make sure to go more in depth next time.


😛

You're gonna want a paternity test my friend, those twins have more nocturnal avian in them than they do creature of Lewis Carroll's imagination.

 

[KCflacpht]

There are no deductibles on glass claims in this state.

In Florida, I've been told that the first time is covered 100% ( ie: no deductible, no foul, doesn't raise your rates.) After that- you're better off paying yourself. The way it was explained to me is that they figure odds are fairly reasonable that a tire will send a rock up and hit your windshield- not your fault, but these things happen. Any more than once and they get suspicious.

YMMV, etc......

 

[Jabberwocky12]

There are no deductibles on glass claims in this state.

Yeah that's awesome; in some states you can opt to get comp or comp with full glass, and others do comp with full glass and treat them differently. Some states won't cover glass at all unless you get a separate coverage altogether for it.

By far, the worst state in terms of insurance (at least that I am licensed for) is FL. If you get hit in FL, I would highly recommend getting insurance to protect yourselves as well as the person you hit. Chances are the person who hits you has jack crap for insurance. (liability coverages isn't required to drive down there).

NC is one of the most screwed up in terms of their insurance system. The government has their own high-risk pool for auto policies known as the reinsurance facility. If you are ceded there your coverages are capped and some aren't available to you, and it's RIDICULOUSLY expensive. However, since a company can cede you whenever they want, the premiums are really low for non-ceded policies since they have less risk to manage than in other states.

NY,FL, and NJ are some of the most hated states by insurance companies and several companies have tried to pull out but got sued by the state to stay in there.Be prepared when living in those states...

 

[Jabberwocky12]

In Florida, I've been told that the first time is covered 100% ( ie: no deductible, no foul, doesn't raise your rates.) After that- you're better off paying yourself. The way it was explained to me is that they figure odds are fairly reasonable that a tire will send a rock up and hit your windshield- not your fault, but these things happen. Any more than once and they get suspicious.

YMMV, etc......

That sounds more like an insurance company policy rather than a state law to me. Mind sharing the company? Adjusters and underwriting take those things into considerations and have the right to investigate claims as much as they want to. If they get the feeling you are lying then they can deny the claim and terminate your policy. Fraud of all kinds is sorta rough in FL. Is the claim the same in every way, windshield only, cracked by rock, etc.? Obviously a tree hitting the car is different than hitting a dear or a rock hitting the windshield...

Also, rates don't increase from comprehensive because it's a not-at-fault coverage. The only way the rates can increase is if they deem that you caused it yourself and make you use collision coverage or some other kind of coverage. But if they decide to do that then say you'll do it yourself and not pay the claim...

Adjusters are there to save the company money. They are like the PBM of auto insurance; they make the decision on how things are covered. If they can say something that makes you less willing to file a claim then they will do so.

 

[KCflacpht]

That sounds more like an insurance company policy rather than a state law to me. Mind sharing the company? Adjusters and underwriting take those things into considerations and have the right to investigate claims as much as they want to. If they get the feeling you are lying then they can deny the claim and terminate your policy. Fraud of all kinds is sorta rough in FL. Is the claim the same in every way, windshield only, cracked by rock, etc.? Obviously a tree hitting the car is different than hitting a dear or a rock hitting the windshield...

Well, I have Geico. And yes- I have all the comp and stuff you talked about. This is what I was told by the insurance rep I talked to. Now to be fair- I've only had to replace one windshield in the 30+ years I've been driving- and at the time I just paid for the thing myself. I was young, busy, and just couldn't be bothered to do the paperwork.

I did have a legitimate accident about 5 years ago ( same insurance), and I didn't bother getting the car fixed, since it was just a little scrape/dent. I re-ended an old bat that hit her brakes too fast in traffic. I was at fault, but my rate didn't end up going up at all. But I've had Geico for a long time, and they said they'd give me a pass. Didn't ask why- just took the good luck and said thank you! But it could be that in the report the cop even said that under the circumstances, he could see why it happened- and the only reason I was at fault was because of the stupid law.

 

[Jabberwocky12]

Well, I have Geico. And yes- I have all the comp and stuff you talked about. This is what I was told by the insurance rep I talked to. Now to be fair- I've only had to replace one windshield in the 30+ years I've been driving- and at the time I just paid for the thing myself. I was young, busy, and just couldn't be bothered to do the paperwork.

I did have a legitimate accident about 5 years ago ( same insurance), and I didn't bother getting the car fixed, since it was just a little scrape/dent. I re-ended an old bat that hit her brakes too fast in traffic. I was at fault, but my rate didn't end up going up at all. But I've had Geico for a long time, and they said they'd give me a pass. Didn't ask why- just took the good luck and said thank you! But it could be that in the report the cop even said that under the circumstances, he could see why it happened- and the only reason I was at fault was because of the stupid law.

Some companies do things like accident foregiveness and things of that nature. The first one is free basically. You don't lose discounts, gain surcharges, etc. That's what it sounds like to me.

BTW, that's an underwriting thing with the policy you purchase. You are usually paying more for that foregiveness to be part of the policy though, so double check and see before you try to use it... Allstate calls it YourChoice Auto...platnium I think. Gold has 1 while platinum has "multiple" but they don't really clarify what "multiple" is

 

[R2pharmD2]

There are no deductibles on glass claims in this state.

Sweet! Thanks!

 

[Sparda29]

Some companies do things like accident foregiveness and things of that nature. The first one is free basically. You don't lose discounts, gain surcharges, etc. That's what it sounds like to me.

BTW, that's an underwriting thing with the policy you purchase. You are usually paying more for that foregiveness to be part of the policy though, so double check and see before you try to use it... Allstate calls it YourChoice Auto...platnium I think. Gold has 1 while platinum has "multiple" but they don't really clarify what "multiple" is

How long do you guys keep traffic violations on record? I have like 5 speeding tickets in NY since 2006. This doesn't count out of state speeding tickets (however those don't count against state point record.)

I hate that I finally figured out the beauty of pleading not guilty last year. I plead non-guilty, waited about 9 months for the trial, and when I went up the police officer was there but she didn't have any notes about it, and she didn't remember me so it was dismissed.

They key when getting pulled over is to stay calm, and make it as uneventful as possible. Be polite, cops are just doing their job, they give out hundreds of tickets a month, and if you aren't a douche to them, they won't remember you when trial time comes around.

 

[Jabberwocky12]

How long do you guys keep traffic violations on record? I have like 5 speeding tickets in NY since 2006. This doesn't count out of state speeding tickets (however those don't count against state point record.)

I hate that I finally figured out the beauty of pleading not guilty last year. I plead non-guilty, waited about 9 months for the trial, and when I went up the police officer was there but she didn't have any notes about it, and she didn't remember me so it was dismissed.

They key when getting pulled over is to stay calm, and make it as uneventful as possible. Be polite, cops are just doing their job, they give out hundreds of tickets a month, and if you aren't a douche to them, they won't remember you when trial time comes around.

PM me if you want more information but typically companies cannot/will not tickets older than 3 years, I hear some states could be 5. I'm only licensed in 22 states so I'm not country-wide savvy. You can ask your insurance company and they will tell you these things if you want to know.

Here is the trick calling Geico, Allstate, etc. The reps are all licensed insurance agents and know a LOT more than what they let on. However, by law if they say something is covered (even if it shouldn't be) then it will be covered, and Errors and Ommisions insurance will have to pay out (a form of malpractice for insurance agents.) These agents had to go through hella training for insurance and even though they say they don't know when you tell them a situation, they have opinions and have an idea on how things are going to play out based on what you tell them.

If you ask service reps of a company what their underwriting guidelines are they can read straight from there and you can use that information as you want. Underwriting is typically open if you want to know. You just have to know what to ask...

 

[ucrx]

I'm not surprised at that number at all. Two of my classmates (that I'm aware of) have been robbed, and I just graduated last May. They don't work in "bad" areas either.

Make that 3 classmates. All in nicer areas.