Category: auto accidents

Automobile Insurance Quote

Be honest and tell the tell the quoting broker or clerk if there are other drivers in your household, whether or not they will driving your car, or own their own cars. There are few things worse than being caught in a lie when looking for auto insurance.

Put The Car Behind The Automobile Insurance Quote.

Thinking about calling some insurance agencies for an automobile insurance quote? Looking for better coverage for your dollar, a less-expensive policy, or some combination of both?

Then do yourself and every broker or clerk you speak to a tremendous favor and prepare certain information before you make your first call for an automobile insurance quote.

Basic Information You’ll Need For Your Quote

  1. Your driver license because the broker will need the license number to order your motor vehicle record.  Yes, people do call for an automobile insurance quote and can’t find their driver license. What would they do if the police pulled them over and said “License, insurance card and registration”?
  2. Your date of birth.
  3. Your social security number.
  4. The age you were first licensed. 1
  5. The year you were first licensed. 1
  6. Has you driver license even been suspended or revoked for cause?
  7. Have you ever completed a Defensive Driving course? If so, what was the date you completed the course. 2
  8. The Vehicle Identification Number (s) of any vehicle you want to insure.
  9. Your vehicle’s year, make, and model.
  10. The cost of your vehicle when it was new.
  11. How the car or truck will be driven. In other words, will it be pleasure only, used for a short or a long commute to work, or will it be used in the course of your business?
  12. Your current address. If you haven’t lived at your current address for at least three (3) years, what was you last address, and how long did you live there?
  13. The name, policy number, and length of time you’ve been insured by your current auto insurer, and any other automobile insurance company you’ve been insured by in the last five (5) years.
  14. How many, if any, no-fault losses have you had in the past five (5) years? If any, when did they occur, and how much was paid for each claim? 1
  15. How many moving violations?
  16. How many accidents in the last five (5) years? How many were definitely your fault? 1
  17. When did they occur? 1
  18. How many points on your license? 1

Honesty Counts

Above all else, be honest. Tell the quoting broker or clerk if there are other drivers in your household, whether or not they will driving your car, or own their own cars and carry their own insurance. There are few things worse than being caught in a lie when looking for auto insurance.

For example, I recently tried to work with a young lady who, when our conversation began, confirmed she lived alone. There were no other people in her household.

This young lady then told me she had two (2) vehicles to insure. To insurance agents and brokers this is a sure danger sign, especially for someone who’d never had an automobile insurance policy before. So, I asked her whether she would be driving both vehicles, or would someone else drive the second vehicle. She said her husband would be driving the second vehicle. So, when I asked her if she and her husband lived together, she seemed slightly put off, telling me that of course she, her husband and their children lived together.

I asked why she didn’t provide this information when I first requested it and she admitted that a family member told her not to as this should get her a lower rate.

He must have some driving record. Little wonder why automobile insurance premiums are so high, especially here in Brooklyn and Queens.

Best of luck with your search.

References:

1   All of this information can be found on your driving record, or driving abstract. To avoid a trip to their local DMV office, New York State licensees can go to the New York State Department of Motor Vehicles website, http://dmv.ny.gov.

  1. Click on “Top Online Services” under the heading, “Driver Licenses.”
  2. Click on “Get My Driving Record.”

You can order your abstract either through the mail using the MV-15 form for $10.00, or get it online for the fee of $7.00. You will have to create a “MyDMV” account to this.

Of course,  you can always get a copy of your driver license by simply going to your  local DMV office.

2 Defensive Driving courses provide automobile insurance premium discounts and driver license point reduction which last for three (3) years from the course date.

For 33 years, and since October 20, 1995 when he opened his own financial services agency, Eustace L. Greaves, Jr., LUTCF has enjoyed providing his clients with the personal lines insurance coverages, income tax services, and defensive driving workshops they need to better their financial lives. 

Call him at 718-783-2722, or email him [email protected] for a competitive quote for your life, home, flood, disability, renters, coop, condo, long-term care, and automobile insurance, personal income tax preparation services, or the date of his next defensive driving class. 

3 Reasons To Dislike Quoting Auto Insurance

What is the company’s name? (Word to the wise, many auto insurance companies will not write a policy for someone coming out of an indemnity company. Think New York Automobile Insurance Plan with a fancy name attached. Another reason to always ask which company you’re being written in and whether or not this is an indemnity company. Better to pay an exorbitant premium for a year or two, and then, all things considered, move into a less expensive company within that company’s family of companies.)

The New Realities of Quoting Auto Insurance

Now, don’t get me wrong, my profession is providing and servicing personal lines insurance, including auto insurance, and I love my profession. Over three decades as an insurance agent and broker, I’ve come to realize, however,  there are three main reasons I dislike quoting auto insurance for strangers calling on the phone who are just shopping around for the cheapest automobile insurance quote they can get.

Reason number 1:

Too many people are under the impression that just because they can fog up a mirror, they are entitled to buy good, cheap auto insurance whenever they want, no matter  their driving history.

So what if they have moving violations, haven’t ever been insured to drive a car, have a suspended or revoked license, or just had same reinstated?

So what if their father once put several cars under their child’s name, and on their child’s auto insurance policy, cars driven by other people who collected accidents like leaches suck blood?

So what if there are three tombstones in the local cemetery directly attributable to their inability to control a vehicle?

So what if they have a DUI, DWI, or DWAI in the last ten (10) years?

You see, their cousin has insurance with your company, and they pay a low premium so you should give me a better rate.

They don’t realize their cousin has done all the right things throughout their driving career to earn that premium.

Reason number 2:

Now, providing anyone with a quote will, in the best of circumstances, take at least 20 to 30 minutes. So now I open with a series of qualifying questions, the same questions I will need answered to develop an automobile insurance quote. Some of them are;

What is your date of birth? Your Social Security number?

What kind of work do you do? How long have you done this type of work?

What is the name of your employer? How long have you worked there? What’s the address of the firm?

Have you ever had your driver’s license suspended or revoked? If so, which one, for how long, and when did you regain the privilege to drive? (Word to the wise, many companies will automatically disqualify you for these transgressions. Come on, be honest, would you loan your car to a friend with a lousy driving record? Yet you want insurance companies to insure you?)

How long have you been continuously licensed in the United States?

How long have you had auto insurance in your name, or been insured under someone else’s policy? (If you’ve neither owned a policy nor been insured under someone else for as little as one week you will pay a higher premium.)

How long have you been insured with the other auto insurance company? (If you’ve had a license for 15 years, but never owned a car, only rented when you had to, you will pay a higher premium.)

What is the company’s name? (Word to the wise, many auto insurance companies will not write a policy for someone coming out of an indemnity company. Think New York Automobile Insurance Plan, (NYAIP), with a fancy name attached. Another reason to always ask which company you’re being written in and whether or not this is an indemnity company. Better to pay an exorbitant premium for a year or two, and then, all things considered, move into a less expensive company within that company’s family of companies.)

How many and what kinds of accidents were you involved in during the last five (5) years? (Word to the wise, having two or more “incidents” involving either accidents or moving violations during the last two (2) to three (3) years will make you ineligible for insurance with many companies, forcing you to go into the NYAIP for what I call rehabilitation.)

While we’re on the topic, how many moving violations, and how many points have you accumulated during the last five (5) years?

Recently a young man from Baldwin, NY called my office for a quote.First, he called and didn’t leave a number, so I used my caller ID to call him back. He asked me if I was Travelers, and I informed him my agency is an independent insurance agency associated with Travelers. Then, came the dreaded request of “I want a quote.”

So I began to ask him my qualifying questions, and  he hesitated (always a bad sign) when I asked him if his license had ever been suspended and/or revoked (it had been). To top it off, he hadn’t been insured for over 5 months, was under the age of 25, and unmarried.

So, informing him my main companies wouldn’t insure him, I prepared a New York Automobile Insurance Plan quote for him. He only asked for liability on a relatively new automobile, and simply hung up when I gave him the premium.

Not even so much as a goodbye.

He could afford to buy the car. Can’t afford to insure it.

You can click here to see a copy of my Auto Insurance Quote Worksheet.

Reason number 3:

You see, just because you can buy a car doesn’t mean you can afford to insure it.

You can buy a car with no money down, but  you can’t buy auto insurance without making at least a minimum downpayment. Owning a car means you must maintain it, keep it insured, and avoid parking it on the wrong side of the street on alternate days. My clients usually call me before they buy a new car based on the year, make and model, so they will have a good idea of what their new budget will look like. That’s when I love to quote auto insurance, when it’s a client or a client referral on the phone. Those referred to me are usually fully compliant with all the questions, and it’s just a matter of getting the information into the computer.

So, you shouldn’t get mad at me because you now own, or are trying to pick up some beauty from the lot, and the insurance is too high for you.

Suggestions?

Suggestion number 1:

If you don’t own a vehicle, buy a Non-Owned Automobile Insurance policy from say, me. Then when you do purchase a car, you will be able to answer “how long have you been continuously insured” question satisfactorily. Purchase your renters, condo, coop, or homeowners insurance from say, me, and you’ll not only realize discounts on both policies, you stand a better chance of a great rate when you are ready to own a car.

Suggestion number 2:

You can join a car-share program like Zipcar, and take advantage of being insured under their policy until you buy your own Non-Owned policy, or buy your own car.

Suggestion number 3:

Lastly, you can speak to a family member about being placed on their policy. WARNING! WARNING! Don’t take offense if they are hesitant to do this. Remember, should you cause or be involved in an accident, (see Reason number 1), this will affect their premium, and perhaps their own insurability for up to five (5) years. Get moving violations and this will affect their premium. And God forbid you get arrested for a DUI after causing an accident which leads to the death of the other driver or their passenger or the passenger in your car. Your family member could stand to lose everything they’ve worked for, just to help you out.

For my money, I’d use suggestions numbers one and two. Just safer that way.

So, in closing, be ready to establish a relationship with an independent agent, and do what you need to do today to guarantee a great automobile insurance rate tomorrow.

For 33 years, the last 20 of those operating his own financial services agency, Eustace L. Greaves, Jr., LUTCF has enjoyed providing his clients with the personal lines insurance coverages, income tax services, and defensive driving workshops they need to better their financial lives. 

Call him at 718-783-2722, or send him an email to [email protected] for a competitive quote for all of your insurance needs.

And please, don’t make fun of him if he groans when you say, “I’d like a quote.”

“Daddy, God Is Crying”

We drove home, and the next morning when I went to call the client to tell him I would be late, I discovered I’d failed, in my rush to pack up the office and go home, to put the file in my bag.

9/11

Thirteen years ago today, I had an appointment to write a new client a Renters Insurance policy. His office was located in one of the Towers. The appointment was for 8:30 am.

9/10

I never made it to the appointment, because the night before, Ashley and Debbie (may she forever rest in peace), were involved in a collision at the Empire Boulevard McDonald’s at the drive through. The car in front of them, having left the drive-though window, suddenly reversed and ran into them. Why? Because the unlicensed driver, driving her aunt’s uninsured car without the aunt’s permission, was angry that her order was wrong.

They were both okay, but later that evening as I stood in front of the Met Supermarket taking pictures with a camera, a hot rain began to fall. It was as though a monsoon swept through the area.

“Daddy, God is crying”

Soaked to the skin, and angry about the accident, I got in the car and prepared to drive, when from her car seat, seven-year-old Ashley said, “Daddy, God is crying.”

My immediate response, “Yeah well right now, I’m crying too. I’m going to be late for the appointment, I have to take the car to the shop … wait, what did you say?”

“Daddy, God is crying.”

I looked at her mother, whose eyes were just as wide as mine.

“Why baby?”

“I don’t know why. I just know God is crying. I guess he’s really sad.”

We drove home, and the next morning when I went to call the client to tell him I would be late, I discovered I’d failed, in my rush to pack up the office and go home, to put the file in my bag.

By the time, I dropped them off at work and school, and left the car with Ernie, our mechanic, it was already 8:00 am, so I knew I was probably going to lose the case. I decided to go to the monthly PA President’s meeting at the District 22 office.

When I arrived at the District Office, I understood why God cried.

And the client I was supposed to meet? He woke up late, and came out of the train station, only to join thousands running from the site. As he ran, looking back to the floors where his company and friends were burning, he said to himself, “I hope that insurance guy made it out okay.”

My assignment wasn’t up.

11/11/02

I couldn’t understand why until one year and one month later, when Debbie died, leaving me a single parent to care for our child. Ashley and I cried.

So I still thank God for sending us the accident the night Ashley said, “Daddy, God is crying.”

Take a moment today and tell someone you love them, you cherish them, you value them, and they bring joy to your life.

You may never get another chance for a last kiss and hug.

 

Blizzard Nemo Causes Accident on Flatbush Avenue | BrooklynCovered

Talk about your empty roads. On Vanderbilt Avenue, there was only me and an Evelyn Car Service car. I experienced the joy of solitude circling the Grand Army Plaza rotary. I was shocked to see no evidence of any accidents.

My joy was short-lived as I drove down the hill on Flatbush Avenue. There, about 75 yards away from the entrance to the Prospect Park Wildlife Center, were the remains of an accident between a parked tractor-trailer and a sedan.

Blizzard Nemo Takes It’s Pound of Steel

When I left my office tonight, (I was waiting for an income tax client to show up for her appointment. She called me at 9:00 pm to tell me she went straight home to get out of Blizzard Nemo, and tell me she wasn’t coming. This happens.) I thought about the various winter driving tips I’d shared with my January Point and Insurance Reduction Workshop class. Especially my advice that there was no shame in crawling.

Use first gear in bad weather
See the number one at the bottom of the tree? During a snowstorm, heavy rain, or the end of the world, put your car in first and leave it there.

 

“During a blizzard, suppress your ego and put your car in first gear and crawl. Better still, park the car and  stay in the house. There is absolutely no reason to have your car in drive when there is snow or ice on the road.

“And don’t forget to remove all the snow and ice from your vehicle. For your safety, you’ll have relatively clear fields of vision. For other drivers’ safety, they won’t have to worry about snow and ice flying from your vehicle and smacking their windshields.”

So, I cleaned off the car, put it in first gear, and started to crawl home.

Talk about your empty roads. On Vanderbilt Avenue, there was only me and an Evelyn Car Service car. I experienced the joy of solitude circling the Grand Army Plaza rotary. I was shocked to see no evidence of any accidents.

Enter The Reckless Driver

My joy was short-lived as I drove down the hill on Flatbush Avenue. There, about 75 yards away from the entrance to the Prospect Park Wildlife Center, were the remains of an accident between a parked tractor-trailer and a sedan.

Impact with a tractor-trailer
Totaled car after impact with a parked tractor-trailer

The tractor-trailer won.

The impact was so great the air bags deployed. And any ambulance driver will tell you that once the airbags deploy, someone is usually on their way to the emergency room.

What caused the accident? Looking at the markings in the snow I could only surmise the driver lost control when they crested the hill before the long downslope, or  tried to avoid another driver’s reckless driving.

 

Damaged bumper
Damaged bumper

Whatever the reason, you have to hope the driver of the vehicle and any passengers survived this accident.

And why do I think the accident could have involved another driver? While I was crawling my way along Ocean Avenue, a stupid idiot in an SUV suddenly got right up on my tail and started to flash their high beams.

I kept crawling.

They kept flashing. And started to honk, too.

Finally, I relented in my quest to keep this fool alive, and pulled over so some deity could take their wheel. Big Dummy flashed past, made the right on Newkirk, and kept on trucking.

I did get a look at their license plate. Florida, of all places.

I guess they took umbrage with my recent Facebook timeline.

Dear readers, in this and every dangerous weather condition, alway remember it’s okay to crawl home.

Handheld Electronic Device Law Changes | Brooklyn Covered

While illegal though, the driver had to be stopped for another traffic violation in order to receive a ticket for using the handheld device. So, if you’re like many drivers I’d see on Brooklyn’s Third Avenue, heading to the Verrazano Bridge during the afternoon rush while texting, talking, checking email, and in one case playing Angry Bird, you could get away with murder. Probably the murder of some poor pedestrian, or another driver, who like me would have the blow the heck of their horn to get “Birdmans” attention before he ran into me

Stop wasting your time and money playing Powerball and Mega Millions. Just give me a digital camera so I can take pictures of drivers breaking the new Handheld Electronic Devices law. Then, I’ll upload the photographic evidence of their unlawful activity to the New York State Department of Motor Vehicles. They can send me a check for $1,000.00 for each law-breaker. Let’s see, ten (10) each day, at $1,000.00 each, that’s $10,000.00 each day, times 20 working days each month…

…Like I said, who needs Powerball of Mega? This is a sure thing.

Wait A Minute. Another New Law?

On July 12, 2011, New York State Governor Andrew M. Cuomo signed a new law about a drivers use of handheld electronic devices while operating a moving motor vehicle in New York State. Specifically, what once was a secondary traffic offense is now a primary offense.

What’s The Difference Between  Primary And Secondary Offenses?

Under the old law, it was illegal for a driver to use a cell phone, IPad, or other handheld electronic device for texting or talking while operating a motor vehicle, i.e., while the vehicle was in motion.

Though illegal, the driver had to be stopped for another primary traffic violation to be ticketed for using the handheld device. So, if you’re like the many drivers I see on Brooklyn’s Third Avenue, heading to the Verrazano Bridge during the afternoon rush who are engaged in texting, talking, checking email, and in one case playing Angry Bird, you could get away with murder. Probably the murder of some poor pedestrian, or another driver, who like me would blow the heck of their horn to get “Birdmans” attention before he ran into me.

The police were required to pull you over for failing to signal a lane change, speeding, or some other primary violation to smack you with a ticket for use of the handheld electronic device. So, in addition to the points and fine for the primary offense, law enforcement would also give you a ticket garnering you two (2) points and  a fine of $150.

How The Law Changed

As of July 12, 2011, law enforcement no longer needs any other reason to pull you over for violating what is now a primary offense. This means getting a ticket for three (3) points, and a fine of $150.00.

What Constitutes Illegal Activity?

Illegal activity includes holding an electronic device and:

  • Composing, sending, reading, accessing, browsing, transmitting, saving, or retrieving electronic data such as e-mail, text messages, or webpages;
  • Viewing, taking, or transmitting images, and;
  • Playing games.
How You Can Avoid A Ticket

As long as the device is attached to a surface inside your car, or is a GPS device attached to the inside of your car, you’re okay. You can also use a bluetooth earpiece if you absolutely must talk all the way home.

If you’re trying to communicate with law enforcement, the fire department, or medical personnel during an emergency, you won’t face a fine.

Who’s Exempt  From The Law?

Police officers, fire fighters or emergency vehicle drivers while they are performing their duties.

How The New Law Really Affects You

  • You’ll receive three points on your license, meaning your automobile insurance will  increase at renewal. If your insurance company decides to renew your policy. Your company may forgive an accident, but not one caused by your unlawful operation of a moving vehicle.
  • Based on the number of points already on your license, you could be required to pay annual assessments, every year for three (3) years.
  • Should you exceed the number of points New York State needs to suspend your driver’s license, you could find yourself taking the train and/or bus. Then you can talk and text all you want.

According to The National Highway Traffic Safety Administration,  5,500 people were killed and 450,000 people were injured in distracted driving crashes in the year 2009.1 Also, you’re 23 times more likely to crash if you text while driving.1 

So, stop the distracted driving. Chances are, you’ll live longer, pay less for your insurance, and only take the train and bus when you want to.

As for me, I guess it’s time to be “In it to win it.”

1.   http://distraction.gov , “Driving Safety.”

Accidents, Lies and no Videotape | BrooklynCovered

I raced outside and saw what looked to be a 1995 Panel Van with NYS plates kissing the rear bumper of a white 2007 Chrysler Station Wagon with Pennsylvania plates. The driver of the Panel Van had jumped out of his vehicle, cursing his fate, not thinking clearly enough to put his van in park. I suggested, in a loud voice, to get back in the van and put it park.

Date:  Thursday, June 23, 2011
Time:  5:oo PM
Road Surface Conditions:  Dry
Light Conditions:  Cloudy with excellent visibility

Whatever Shall I Blog About?

I was at my desk, thinking of what to blog about, (I mean, I’ve only got about five shopping bags full of notes and ideas), when I thought I heard a bomb go off outside my office.

I raced outside and saw what looked like a 1995 Panel Van with NYS plates kissing the rear bumper of a white 2007 Chrysler Station Wagon with Pennsylvania plates. The driver of the Panel Van had jumped out of his vehicle, cursing his fate, not thinking clearly enough to put his van in park. I suggested, in a loud voice, to get back in the van and put it park.

I  briefly spoke to two former Brooklynites, just in from their new home in Las Vegas for a visit. They said both cars were stopped and then, in what I can only imagine was a severe case of distracted driving, Panel Van Man hit the gas and slammed into the rear of the PA Chrysler Wagon. So hard, in fact, both the drivers and passenger side front air bags , the van’s front bumper was ripped off, and the hood bent like a piece of paper you didn’t like before you threw it away. The result of a collision which again, sounded like a bomb going off.

The driver of the PA Chrysler emerged from his vehicle, holding the back of his head and flexing his spine. When I inquired as to how he felt, he told me he had just left work early to go to a doctor’s appointment.

Call 911, Kiddo

My daughter brought out some paper and pens so the two drivers could exchange information. Why? Well, Sections 601-605 of Title VI, Article 22 of the NYS Vehicle and Traffic Law, (2007-2008 edition) covers the responsibilities of persons involved in a motor vehicle accident anywhere in the state of New York.Section 605 specifically states anyone involved in an accident where on or both parties suffer damage in excess of one thousand dollars shall report the accident in writing to the commissioner.

Your wilful failure  to report an accident or give current information is a misdemeanor creating grounds for the suspension and/or revocation of your license, registration, or both. This applies even if the driver involved is licensed, registered and insured out of state. You wouldn’t be able to legally drive anywhere in New York State.

Send In The Clowns

Why the lesson in vehicle law? Only because this is when the circus began.

The Pennsylvania plates finally made my insurance agent brain go “Click.”

“How are you feeling?”

“Okay, I guess.”

“I called the police and they should arrive soon. Are you the owner of this vehicle?” I asked.

“Yes, I am.”

“And, just between us, do you really live in Pennsylvania?”

“Uh, yeah. I’m just, uh, staying with my daughter in Brooklyn this week.”

Now, did somebody leave a dead, rotting fish in the sink for a week, or does something else smell fishy to you? Didn’t he tell me he’d just left work early to go to the doctor? Somehow, I don’t think he works, or lives in Pennsylvania.

Here’s the reality. Panel Van Man probably lacked either a valid license or current auto insurance. Chrysler Man really lives somewhere in Brooklyn, and fraudulently registers and insures his vehicle in the Commonwealth of Pennsylvania

Panel Van Man again came over to offer PA Chrysler Man money to fix his car.

“Come on pal, we can settle this right now. How much do you want to fix your car?”

To his credit, PA Chrysler Man initially said “No, I want to call the police and get an ambulance. I don’t know if something is wrong with me, and I don’t know how bad my car is damaged. Don’t you have insurance?

“Yeah, yeah, I got insurance, but it’s high insurance. I pay real high insurance now.”

Gee, no kidding.

“I don’t want my insurance to go up. I’ll tell you what, follow me to my collision shop and I’ll fix your car for you.”

Why is it everybody responsible for an accident does body work? I mean, are they driving around looking to hit other cars so they can take them to their shops for practice? Or is business that bad?

They got down on hands and knees to examine the undercarriage of the Chrysler, then lifted the hatch and checked the interior trunk area for damage. All the while, Panel Van Man kept imploring PA Chrysler Man to take some money.

“Look, I only got $60.00. You’ll have to trust me for the rest.”

Say what? You just ram the back of another car, don’t want to call the police, and expect the other driver to ‘trust you’?

That’s when PA Chrysler Man pulled out his cell phone, began to hold the back of his head. Me, I’d have been laying on the macadam, waiting for Godot, I mean, the ambulance and the police. I’d already have my lawyer, John Dewey, of the law firm Dewey, Cheatum and Howe, on line one, and my real estate agent on line two.

Then, as if by miracle, Panel Van Man sighed, and pulled out a wad of bills which would have choked Secretariat to death. If he thought he had only $60.00, then he didn’t know how to count. He counted out a bunch of $100’s for quite some time. The first time he stopped, PA Chrysler Man shook his head as if to say, “Keep it coming fool”, and he kept on counting.

When an agreeable amount of money had chaned hands, Panel Van Man got into his vehicle lacking a legal bumper, with two deployed air bags and drove off in a cloud of smoke to strike again.

I approached PA Chrysler Man and expressed my hope he wouldn’t wake up a month from now, paralyzed from the waist down from the displaced spinal fracture he may have suffered in the accident. The same fracture the x-ray machine at the hospital would have discovered had he gone.

“There’s not enough money in the wad of bills he gave you to pay the medical and skilled nursery costs you could be facing down the road.”

He shrugged, smiled, got into his  rear bumper-damaged wagon, and drove away, happy with his unexpected payday.

Let’s just hope the rear of his car and his rear don’t fall off the same day.

Who Loses When This Happens?

Well, dear readers, it’s you and I. Us, the “I don’t need the hassle,” “Chicken livered,” and “I am too pretty for prison” honest folk who dutifully pay the proper and legal rates for auto insurance. Rates which are high because of the fraud so many other perpetrate daily.

We pay for everyone who says we’re crazy or stupid for paying so much when you can insure in Florida, Ohio, Maryland, and yes, even Pennsylvania and save yourself some money.

Just don’t get into an accident.

That’s okay though. Like I said, I’ll be glad to wait for the ambulance, talking to my lawyer on the phone.

The really good side of all of this? I finally had something fresh to post.

 

Eustace Greaves Jr, LUTCF is BrooklynCovered, a financial services representative located in Brooklyn, NY.
And all of the cool stuff happens right outside of his door.

 

 

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