How do we know if/when a Bible verse is directly applicable to us and when one isn’t?

I.e. 2 Timothy 4:9, Paul told Timothy to be diligent to come to him quickly. We can not follow that one...

A difficult one is found in 1 Corinthians 11. Was the command for women to have their heads covered a cultural command (for that time and place) or a command for all believers from that point on?
Update: Might be a lot calling them self Christians having Stimpy`s opinion. However for the few that take God`s word seriously that is not an option. It is the very words and commands from our Creator and has to be considered carefully to apply it to our daily lives.
Update 2: In Corinthian culture only the prostitutes and feminists uncovered and sometimes shaved their hair.
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