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You let me off easier than expected. :-)

I was in a rush last night, but I have more time this morning, and I think everyone can learn from my mistake.

I insured the car before I owned it so the test drive would be insured. I immediately bought the car and didn't change the insurance because it was going to spend a lot of time in the shop, and I knew I was more than covered for what I paid.

After I had put $12K into the car, and it was sorted out, I knew I had to get an agreed upon value policy. I planned on filling the bumper holes, getting it appraised, and getting the right insurance. HOWEVER, my business got really busy and I just didn't have the time or energy to get those stupid holes welded. It was a domino effect that kept me from getting the right insurance. 20/20 tells me I should have just found out if the insurance company even required an appraisal (I was operating on a friends recollection of him getting an agreed upon policy).

Now I feel like an idiot, and I don't look forward to dealing with the insurance company. I am afraid they will attach a low value to it, total it and give me a check for less than it is worth. The good news is I don't think I will lose money, but I could lose a car that I love, and that I feel is irreplaceable.

Soooooo, everyone go make sure your car is insured for its value. :-)

R.
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