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Showing posts with label car insurance. Show all posts
Showing posts with label car insurance. Show all posts

Saturday, January 28, 2012

Well, life suddenly makes no sense at all!

Got my insurance bill the other day and it rather ticked me off.  I carry full coverage, medical, towing, and all the good stuff.  The one I resent is the premium I pay for "Uninsured Motorist".  Excuse me.  What did I miss here?  Isn't there a law on the books that says I have to have car insurance to drive in Colorado?  I have to show my proof of insurance when I get a tag for my vehicle.  Was this a special law that was written for me alone? 
So I think the way this works is if I crash into someone,you can rest assured it will not be my fault because I am the most defensive driver in the whole world.  So if this happened in a perfect world my insurance would pay for his car and his would pay for mine, sort of a way to say, "Hey guys, accidents happen."  So if he did not have insurance, it would be fair if my insurance paid for my car.  This is in a perfect world.
But here I am with insurance on my car for me and an "Uninsured Motorist".   So I am assuming that the "Uninsured Motorist" premium I pay will kick in and pay to fix my car.  So, does my insurance now pay to fix his car?  I certainly hope not.  So if it does not, and it sure as hell better not, what does my insurance do?  Is this "Uninsured Motorist" something I pay just as a way of hedging a bet that I am the only one on the road out there with insurance?
Now, I had to have proof of insurance to get my tag. So how did he get his?  The state keeps better records than that.  If I forget to take my card when I renew my tag and I quite by accident get a kind clerk at the tag place, they will look on the computer and see that my insurance is indeed paid.  So can't they know when Joe Blow let his policy lapse and declare his tag illegal?
You know, they talk about inequality in taxes and all especially during the election, but is this fair?  I understand that I need insurance, but why do I need to buy insurance against the person who does not obey the law?  And if he should get a ticket for no insurance, who gets the money?  I paid the premium, but the judical system gets the money!  Fair play?  I think not.


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Friday, July 15, 2011

Road Rage!!! You bet!!!

Oh, I just get the biggest knot in my stomach when I have to go on Pueblo Boulevard to catch 50 West.  The crews have been working on that since the Pony Express passed through this area.  They are putting a very pretty median in which just amazes me, since I thought we were broke.  But therein lies my misconception of the situation.  It is the Federal Government and they have an unlimited money supply because they own the mint and all the printers therein.  Silly me.
But back to this road rage I must encounter.  Do not tell me to ignore it because it is going on right there in my car with the driver.  Oh, that would be ME!  Now I remember why I quit carrying my gun.  See, being a silly, addle brained woman, I forget things.  I think just because I am on a road, in the proper lane, driving the speed limit, on my way to a given destination that I have an actual right to be there.  I paid my fees on the car, and they gouged me for this road, but I do not belong there.  This road is for that idiot passing on the shoulder and honking at me and 289 of my closest friends.  Or the  SUV in the other lane that is cutting me off before she hits the lane merge barricade, the same one I saw 4 miles back and was repeated every 7 feet, yet managed to catch that chickadee by surprise.  I know she is unhappy because I can see her on her cell phone with her lips flapping like a rabid dog!
I have driven in Denver and Dallas both at the height of the rush hour and had less stress on my poor brain than what I encounter any time I venture forth in this fair city.  I have driven blind drunk in Hutchinson, Kansas and Colorado Springs is a piece of cake, but Pueblo is a whole new ball game.  Yesterday I traversed the Pueblo Boulevard area and today I am making a new set of rules.  Well, not really.  I have always had these in the back of my mind; I am just  going to put them in black and white so I can look at them.
1.  Never at any time, ever, do I have the right of way.  No exceptions to this rule.
2.  I paid as much for the tags on my new Ford as the Chevy with the flapping fenders who is trying to run me in the ditch and therefore I must let him in front of me and hope I do not get gassed by his smokey exhaust.
3.  I have insurance up the wahzoo and I am sure I will pay for his car when I swerve to miss him and he still manage to slam on his breaks in front of me. 
4.  I am suffering whiplash just looking at his driving.
5.  My time is as valuable as your time.  I maybe old but I  am not expendable.
6.  I am the world's most defensive driver and I can out maneuver you  so back off.
7.  I am putting the gun back under the seat until the work on Pueblo Boulevard is finished.
8.  I am pretty sure that any cell phone calls ringing on my phone can wait until I am parked and so can yours.  Unless, of course you are God, and he has better ways of communicating than with a cell phone.

So, if you are hassling me just because I am doing what I am old and driving prudently and cautiously and you see my head go below the dash for a brief moment, you better get right back there behind me and follow my lead, because I am about to suffer one of those head aches that come on suddenly and will lead to a stroke if I do not relieve the pressure.  And if shooting you is what it takes I can only say "It sucks to be you!"

Another year down the tubes!

Counting today, there are only 5 days left in this year.    Momma nailed it when she said "When you are over the hill you pick up speed...