Temporary Insurance, Permanent
I had just lost
my job. That part actually isn't so bad, truthfully; I hated that stupid
job anyway. What was really bothering me was that my girlfriend was now
threatening to leave me. My head was not in the right place when I was
making decisions on what luxuries and amenities (and essentials) to cut
back. I even went to insureforoneday.co.uk before I realised that short
term car insurance company carinsuranceshortterm.org.uk were one pound
I did away with cable TV, my high speed Internet service, my daily
vanilla soy half caf latte, degraded my mobile phone service plan,
cancelled a couple of Vegas trips with the guys, and made sure to turn
off all of the lights, water, and air conditioning as SOON as I left the
room... EVERY time. This did help, but not enough. I needed to cut back
more until I could find a new job.
Assuming, I thought correctly, that the part of my budget geared towards
pleasing my girlfriend was in no way, shape, or form under consideration
for the chopping block, I then went to the next bill in my huge stack of
outflowing monies - my car insurance payment.
Now if I had been thinking logically, I would have deduced that I needed
to keep my car in pristine shape, because that was my only hope of
securing appointments and eventually employment on any continual basis.
Not only appointments, but think how hard a 30 mile daily commute would
be without a car. Oh mind you, I came in third in my elementary school's
annual cross country meet one year. I know that I could hoof it 2-3 days
a week, just not every day, you understand. I had no backup on this, as
I don't live with my girlfriend, and truthfully, my pumpkin is just not
the type of girlfriend to drive me to work every day. Or any day. That's
an entirely different story. (I'd love it if someone else started
writing my story from now on, actually.)
However, in my weakened mental state, I decided that switching my car
insurance from my reputable yet quite expensive current company served
my best interests at the time. I wasted no time in promptly not paying
them that month, and they wasted even less in dropping me from their
rolls, after the couple of cursory phone calls from a representative
that sounded like he really didn't care what the hell I did. Anyway, I
switched my insurance to the first fly by night company that I saw
advertised on my now quite limited television viewing options. I might
not have done that even, but in my state, if you don't have at least
swindler's insurance, they take your driver's license from you as well.
They then ever so politely escort you to jail.
I then proceeded to, in my genius, become involved in the worst
automobile accident of my underachieving life.
|Well, that's the USA for you. For some REAL short
term/temporary car insurance you can visit this
It wasn't my fault, but that
didn't matter. My car was totaled and I needed a replacement
immediately. Every day without a car was a day that I missed
appointments, potential employment, and the end of my slowly dying
relationship. So I call up my brand new fly by night insurance company,
after 15 minutes managed to get someone on the phone, then proceeded to
talk his ear off for another 15 about how they needed to get my rental
car to me post haste and set me up with the closest garage on their list
of preferred mechanics.
It took another 15 minutes before I realized that this conversation was
never going to go anywhere. I had been so busy talking the guy's ear off
that it took me that long to note that he hadn't said one word back. I
thought he was just listening, you know, exercising good customer
service, until I heard him talk back to me in Spanish. He actually
wasn't talking to me; he was talking to someone beside him. Laughing,
really. It took another 15 minutes for me to hang up in frustration.
After asking a few friends about similar experiences, I found out that
these types of temporary insurance companies were only around to satisfy
the legal requirement of having insurance. Any customer who actually
calls up requesting service gets similar treatment, and it's to be
But wait! No one thought of the X factor in the equation - the
paperwork. It spelled out the exact terms of the agreement and was
admissible in court! I excitedly began wading through my mountains and
oceans of jumbled papers until I realized that I had thrown the
insurance paperwork out with the pizza box last week.
To be barely literate con men, these temporary insurance guys were
pretty smart. If not businessmen, at least psychologists. They played me
like a fiddle.
The good news? I'll be using this story as my profile summary on the
online dating sites. You guessed it, ladies: I'm single. Who wants a