AFTER YOUR HANDS ARE RIPPED FROM THE STEERING WHEEL....by Steve Duhl 
Wednesday, January 25, 2012, 04:59 PM
Posted by Administrator
At the moment your hands are ripped from your car's steering wheel from the impact of the '96 Jeep Cherokee smashing into the passenger side door, you will probably not be thinking:

-People who drive '96 Jeep Cherokees probably don't have very good insurance so I should have bought...

-Collision insurance so my insurance would pay for the cost of repairing/replacing my car...

-Some uninsured motorist insurance (UM) so that my insurance would (in effect) pretend that they were the bum that hit me and pay me some money as if he actually did have good insurance...

-And, I regret that I bought my PIP (the thing where your own car insurance company pays your medical bills without regard to whose fault the accident is) with a deductible (even though my insurance agent made extra commission by selling me PIP with a deductible...and I want my agent to make LOTS of money) because ...unless I take an ambulance to the hospital...I might find it hard to find a doctor to treat me (unless I pay cash or have health insurance) until the deductible is used up.

But, in the split second after the impact, you probably WILL be thinking...

-I regret that I was hit by a '96 Jeep Cherokee.... because, in spite of my injuries, my life and future monetary prospects would have been more hopeful if I'd gotten hit by a Bentley or a Ferrari or even a nice, new Porsche.

..and in Palm Beach County (unlike the rest of the world) we've got plenty of those.

...as well of plenty of people who drive around with crappy insurance.

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