MY Jesus Rabinowitz 
Thursday, October 13, 2011, 10:56 AM
Posted by Administrator
A long time ago, on a road 40 miles West of here, on the other side of a small green bridge spanning the C40 canal, I ran into the rear of a Volkswagen microbus that had stopped for no reason in the middle of the road. First we were driving along....the VW in front and me behind in my car. Then, the VW stopped. There were no turns-offs, no intersections, no turtles in the road. The VW driver just decided that he didn't like where his VW was headed and so...he stopped.

...and I rear ended him.

He was from out-of-state and he called me a few days later and told me the damages were $1,000. I told him "I'm not paying you, you stopped for no reason, call my insurance company." He did. And, as a result of his call, my rates went up. I have been kicking myself ever since for not sending him the grand.

One day...long ago...I woke up and walked outside to my car and saw that my windshield was broken. I called my insurance agent and asked whether I should make a claim or fix it myself. He said "Windshields don't count as claims."

Years later, I had a small accident and my insurance rates skyrocketed. I called the company and asked why. The accident claim wasn't much of anything. The company said "You had a previous claim for a windshield." I have been kicking myself ever since for not getting the windshield fixed on my dime.

A few days ago, I got a call from a friend of mine. His 17 year old daughter had been in a small accident....drove too close to the side of the street and scraped someone's parked car. "Pay the other guy the money.", I told him.

My friend called two days later to complain that the owner of the other car wanted $450.00 and that it didn't look to him to be $450 damage. ...but that the car's owner had said "If you don't pay, I'll report it to your insurance company." "Pay the money", I told him.

Don't negotiate. Don't threaten to call his insurance company to try to blamethe accident on him. Just pay the money. If insurance gets involved everyone's rates go up.

Some things have to be on your own dime.
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