Tag: I’ve

The Worst Car Insurance Claims, Accidents and Mistakes I’ve Ever Seen

1. Most insurance companies today require that anyone in your household (family or simply roommates) be added to your policy or excluded from coverage as drivers. A client of mine had a roommate who was excluded as a driver. That roommate never drove the car…. except one time. I don’t know why the owner let his roommate drive… perhaps because he was just going down the street. Regardless, his roommate ran into another car at 40 miles per hour.

The other car was a total loss and the other driver had some injuries. Guess who was responsible for paying the other person’s car and injuries? My client (and the driver)! Imagine how much money replacing a car and paying the hospital bills for someone else amounts to. Not to mention his car was still ruined.

How you can avoid this:
It may cost nothing to add family or roommates to your policy.

In fact, it may actually bring your premium down if they’re a better or more experienced driver than you. So, get them added or make sure they never drive your car.

2. Another client had a ridiculous H2 (Hummer) with huge rims, expensive tires, chrome everywhere, expensive stereo… really over the top. Apparently he misjudged the depth of a certain stream. The H2 got stuck underwater. He came out okay (just a little wet) but his car was a total loss. He did have property damage coverage so he only had to pay his deductible to get his car replaced. However, he did not have the extra coverage for his aftermarket rims, chrome accessories, or expensive stereo which would have cost him only a few more dollars. He got his car back but it was just the stock model.

How you can avoid this:
If you have any aftermarket equipment (anything that didn’t come on the car from the dealership) of any substantial value (generally over $ 100) ask your insurance agent/company if you need to purchase additional coverage.

It’s typically inexpensive.

3. Murphy’s Law (anything that can go wrong, will) applies especially with car insurance. A number of my clients were late on making their car insurance payments. Their coverage expired as a result. Sure enough, they caused accidents during that small window of no insurance. They were responsible for the costs of everything.

They inevitably asked the insurance company to “help them out just this one time” but with no luck.

How you can avoid this:
Be sure to pay your insurance bill on time! It works the same as your electricity bill. If you don’t pay your electricity bill, your electricity gets turned off. Same with insurance. They “turn off” your insurance if you don’t pay them.

Download a FREE report detailing the three most important tips to SAVE MONEY on your car insurance and increase your protection at 3InsuranceTips.com

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I’ve begun having “accidents” and I don’t have insurance?

Question by Burt Navarro: I’ve begun having “accidents” and I don’t have insurance?
It’s been steadily getting worse for several months now. I’ll basically get the urge to go # 2 and I’ll have literally like 1 or 2 minutes to get to a bathroom, before I soil my pants. Sometimes, though, there is no warning. It’s like just sudden cramping and then it comes out uncontrollably. I don’t have insurance, and it’ll be about 3 months before the window is open again to get it through my employer. The only blessing in disguise is I work as a septic pumper (like port-a-potties, septic tanks, etc.) so I have kind of an excuse if something happens. I’m not really too keen on the idea of wearing diapers, either. I’m only in my mid-20’s for god’s sake. But I refuse to go to a doctor uninsured (already got enough debt, thanks). What exactly can I do in the mean-time while waiting for insurance? I have weak muscle control “down there” as it is, from a motorcycle accident I had a while back, but again, kind of walked it off due to lack of insurance. What do I do?
At this point, I’m having accidents once or twice a day.

Best answer:

Answer by HP
That “dumping” syndrome can be caused by a number of problems in the G.I. tract.

You might talk to a pharmacist about across the counter preparations that slow bowl contractions down, until you can get in to see a doctor. It won’t solve the problem, but might give you the extra few minutes you need to find a place for relief. Also, ease up on stimulants, like anything containing caffine.

Metamucil comes to mind as a bulk forming substance that helps both constipation, as well as loose bowl syndrome.

Again, temporary measures till you can see a doctor.

Give your answer to this question below!

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