Hind Sight

You know, now that the couch has attacked me (see two previous posts), I can see clearly that I should have been prepared for this. With a little forethought I would have had an accident coverage policy. I mean, I’m pretty sure that suing a piece of furniture isn’t going to get me much in the way of compensation — especially since the furniture belongs to us.

Luckily, I do have funeral coverage through my 401k. It is a minuscule amount and won’t make my heir’s rich, which is just fine with me. If there’s any celebrating when I die, I want it to be for the glory of God, not mammon.

When I was working for the Vegas school district, I also carried insurance on my paycheck. Guardian Income Insurance can provide the family wage earner with a feeling of security during uncertain times. When I was in my car accident in 2003, my policy kicked in and covered 6 weeks of my wages. My bills got paid and all I had to concentrate on was my physical therapy and the piles of endless paperwork for the other driver’s insurance company.

So, even though you’ll probably never be assaulted by a couch, this world isn’t always a safe place.  Insurance can help take care of your and your loved ones in the event of an accident.  If you aren’t already covered, give it some thought.

Personal Injury Claim

Since the couch attacked me (see previous post), I was wondering if I could file a personal injury claim.  I found Accident Consultant [dot] Com and got really excited.  If they accept my case and I win, I get 100% of the compensation owed me.  If they accept my case and I lose, I don’t have to pay them a dime!  I was all ready to fill out the Personal Injury Claim form and then I realized — this is only for those lucky people who live in the UK.

Seeking Insurance

I did a lot more walking than I am used to while Thom and Susan were here. It has left me with a sore knee and a big toe that goes numb if I sit in one place for too long. My friend, a retired doctor, says I have likely pinched or stressed my sciatic nerve. I also thought I was developing an ear infection, but thankfully a day inside out of the wind has cured that discomfort.

Even so, it’s time to get my eyes checked and I could do with a physical.  I need insurance which means I need a job someplace with great group health medical benefits.  Since I am my only employee, I don’t have business insurance.

What about other folks who are self-employed?   Where do they get their insurance and how much does it cost?  I am not usually one for visiting the doctor more than once or twice a year, so I hate the thought of paying humongous premiums. I wonder if Netquote insurance can help me with this problem?

Newbie Needs Help

I was just talking to a young lady who is in the market for her first car. She was feeling pretty frustrated. She said her parents have made it clear that financially she is on her own. They are paying for her college education, keeping a roof over her head, clothes on her back, and feeding her. If rides from mom and dad are no longer sufficient, she needs to provide her own alternative.

I actually applaud the parents on that stand. They are providing the necessities. Acquiring her own luxuries should be up to the daughter, however, the parents also aren’t providing her with any guidance.

While I do agree that experience is the best teacher, for optimal educational results it is always best to have a facilitator. That’s why I directed the girl to take her potential car purchase to the mechanic her dad trusts and ask him to check it out before she buys it. I also turned her on to a great place to compare, contrast, and purchase auto insurance coverage.

The end result of this is that the young lady decided she needed to save a bit more money in order to by a better quality car. She was also quite startled to discover how high insurance costs are for brand new drivers — even college honor students. She thinks she’ll be getting a summer job and walking to work everyday so that by the time the weather turns cold she’ll be able to afford a car and insurance coverage.

Happy Dance

I just got off the phone with my insurance company.  The car has arrived in Seattle and I need to go and collect it, so I wanted to update my insurance to reflect my new address.

I called and told the rep I moved. She took all of my pertinent information. Then she put me on hold.  One minute she said.

After about 7 minutes she came back online and said it was going to be just another minute or two. I started to get nervous. I decided to do a NetQuote search to see what other options might be available.

Finally the agent came back online and told me she had just cancelled my Hawaii policy, and now we needed to set up my Washington State policy.  She started asking questions:

  • Will I drive the car from home to work every day?   ~No, I don’t have a job.
  • Will I be sharing the car with another driver? ~Yes, Amoeba.
  • If the car is to be primarily for personal use, would 12,000 miles per year be a reasonable estimate?  ~For this island?  Let’s make it 10.

Then she asked if I wanted coverage comparable to what I had in Hawaii.  Of course I said yes — and she told me it wasn’t available.  Washington doesn’t allow for limits that low.  In every case my Washington payouts well be at least $5000 more.  Plus, where Hawaii guarantees me rental car reimbursement of up to $30.00 per day, Washington State offers $50.

All these dollar signs are flitting through my head.  I am a nervous wreck waiting for my agent to give me the bottom line and NetQuote to spit out something reasonable. She put me on hold again.

Finally, after an eternity passed, she came back with my bottom line — a third more coverage for half the price. I kid you not.

So, our bottom line — twice as much house for half the rent.  A third more insurance for half the price.  Have I mentioned that I like it here? And there’s still the chance that NetQuote will come back with an even better answer.