Sorry, I have been putting off writing about a health problem affecting someone in our family. It's been crazy at work. & now simply isn't the right time.
Instead, it's time to vent. Since we know there will be $100s and $100s, maybe $1,000s in Dr bills, hospital bills anesthesiology bills & radiology bills piling up in a month or 2, I decided that I really needed to cut costs. One way is to find out if my car insurance was too expensive. So I got quotes. The quotes weren't that good, and they weren't beating my current insurance monthly rate. Then they said that I had a car accident in January of this year, it was my fault and the claim was over $1,900!!!
I was thunderstruck; no such thing happened (& if it did you know damn well I would have been writing about it!). So, I got very upset with my agent and demanded to know just exactly what the hell is going on. A person shouldn't be so upset, being angry sucks and makes you look bad. So, I took a breath and said, "Jim, imagine how upset you would be if the credit agencies were all reporting that you had a bankruptcy. You would have an impossible time getting a credit card under 20%. There would be numerous financial hurdles to cross w/ a bankruptcy!!"
It took him a little over 24 hours to find out what exactly happened. While Maribeth & I both have separate car insurance policies, we both get a multi-vehicle discount since we are both at the same car insurance company. 2 years ago, Maribeth executed a 2-way trade. Her Dad could no longer drive so she got his car. Her niece, Kristin, had no car so Maribeth let her have her KIA Rio.
So what happened in January, 2009?? Kristin was driving down the interstate, the front car hood was not attached properly (for some unknown reason), the hood flipped up and smashed into Kristin's windshield. If it had smashed several feet closer to the driver's side, Kristin could have been killed. Naturally, Maribeth, owner of the car, made an insurance claim.
The insurance agent said that while this incident has nothing to do with me, I am getting a multi-vehicle discount. That means that Maribeth and I are once again linked! The car insurance stated that what happened to Maribeth's car necessarily goes on my driving record.
What kind of gomer-bullshit logic is that? I received one consolation. I was looking to save about $20 a month, and I asked that all towing and rent-a-car coverage be taken out of my auto insurance coverage. That ended up saving me well over $20 and now I'm paying slightly over $60.
I still don't think that's right that our records are linked.
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