Thank God your OK but Insurance really stinks these days.
In New York if the tractor was on the trailer attached to your car ...it was insured. If your garage burns down and you didnt insure the contents for the cars your not covered...but if the cars were insured WITH COLLISION they are insured.
I just changed classic insurance companies and went checked all the coverage to insure I was properly covered ... come to find out I was not ..but now I am.
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