Protection, And We Don’t Mean Rubbers
07 Jun, 2012
Alright, I'm going to talk about a very serious car epidemic that everyone with a vehicle will understand and has experienced...... I'm talking about insurance. Before you say boring, I'm not going to use this time to complain about my coverage or my policy but just sharing a story.
First of all, I'm not an expert with insurance so you're always better to speak to your agent or broker before you make any changes. Whenever I think of insurance I always think of Chris Rock's bit about how insurance should really be called 'incase sh*t happens' and it really should, I mean you are paying in to this plan each month or year just in case something happens to your car.
Well from my experience it's worth it but only if you have a decent insurance company. I mean I've heard horror stories about people fighting claims left, right and center about disagreements on value, damage and even replacement.
Personally the only difficulty I had with my insurance company at the time was trying to explain exactly how an accident happened. Let me set the scene, I was driving my Civic one night (I live in the Country) and as I was driving a tree fell in front of me across the road, it happened too fast to stop so there was nothing to do except Dukes of Hazzard the car through the top of the tree in the middle of the road and land on the other side.
Out of my stupidity I left my cell phone at home and waited for someone to come by so I could make a police report. As I waited I saw a car and tried to flag a woman down so she would not hit the tree as well but she gave me the finger, kept going and hit the tree. I laughed and she left, as I waited longer I finally found someone to call the police for me as I kept people from hitting the tree.
To make a long story short the woman that hit tree before me made the incident report first so the Police were arguing that I hit the tree while it was already down (making it my fault) even though I could describe her car. After a review it was determined that it wasn't my fault and the tree actually fell because of beavers (yes, beavers, I can't even make this stuff up) and I was covered.
As I continued to modify my vehicle I needed to continue to check to ensure I had adequate coverage as smashing an eBay urethane front lip is a lot different than breaking a Mugen, so just make sure you're covered for everything you need, even if you need an evaluation on your car there's hundreds of companies which can insure you.
*Not my car in the photo