Car Insurance Is Worth It

Car Insurance Box — By Guest on September 30, 2009 7:24 am

Even though I knew it was probably not a good idea, I drove with only liability car insurance because I did not want to pay for anything more than that. I knew I was a good driver and I trusted myself behind the wheel. All of my friends had been in accidents but not me. I had a perfect driving record. And good thing, considering I did not have anything more than liability car insurance to take care of me if I did happen to get into trouble. I figured that as long as I never any damage to my car I would be ok. My parents paid my car insurance up until I was eighteen, and then they told me I was on my own. I told them I had full coverage and they never even thought to check. They probably trusted me too much to want to ask for proof.

My job at a local department store did not in any way pay me enough money for me to put a couple hundred of bucks down every month for full coverage car insurance. That just seemed ridiculous to me. If I really did pay for full coverage car insurance I would be spending almost half of what I made every month on only that. I barely had enough money for all the stuff I wanted to do and buy without having to worry about paying even more for car insurance than I already was. Besides, I never had to drive more than ten minutes or so to get anywhere I wanted to go. Everywhere my friends and I went was in our area and I always felt safe behind the wheel in our town.

Of course, you can probably guess where my story is headed. It was raining one night pretty hard but my friends and I were bored and we wanted to go to a movie. I volunteered to drive since I was the only one who had a car that could fit all of us in. The roads were wet and it was hard to see, but I drove slowly and carefully the whole way there since I knew if I got into an accident I would not have the appropriate car insurance if I did happen to get into an accident. After I did change my car insurance, I was always anal about being a really good and careful driver. We made it to the movies just fine and by the time we were done and headed back home the rain had ceased.

We all piled into my car and we were laughing and talking about the movie. I pulled onto the road and started driving the speed limit since I did not have to go slow anymore because it was not raining. Well, as I was rounding a curve we hit a patch of water and my car started spinning. I freaked out and started pumping the brake as fast as I could, but nothing seemed to help. This whole while I was praying and wishing I had better car insurance in case anything happened to us. My car spun off the road and into a ditch where it landed on its side. We were all screaming and terrified, but miraculously none of us were significantly injured. My car, on the other hand, was pretty banged up.

After the accident my car insurance did not cover all the damages that had happened to my car. My car was considered totaled and my parents were furious that I only had liability car insurance. I ended up spending pretty much all of my money from then on for the next year or so saving to buy a new car and putting away enough for full coverage car insurance!

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