Temporary Car Insurance Economics

Anyone who says that saving money is always good never saved money with a temporary car insurance company. Those guys are the absolute epitome of capitalism at its best and worst. They exist solely to take money from people who can't afford real insurance, but somehow they get to keep it all through equal parts funny wordings on contracts and just straight up scam artistry. I think it's great and I want to know how they do it.

That last part was sarcasm, of course.

The first time I had to go to court to defend myself against these clowns will be my last. I'm sticking with getting screwed over by insurance companies that I can actually find if I want to reek vigilante vengeance upon the office.

Astute readers will have noticed that this is an AMERICAN writer, writing about his experiences in AMERICA. About what you'd expect, I suppose. Now UK temporary car insurance companies do it differently!!

So I get into a wreck and I don't think this company is going to pay for my damage, but I check the mail about one month after it happened, and I get a letter saying that I owe them money for the accident. It wasn't even my fault!

By their economics, I owe them money because I was a high risk to insure in the first place and I was only accepted under the pretense that I would not get into a wreck. Because I did, not only do I have to pay for my damages, but I owe them money to reimburse the money they paid the other guy. And what was incredible about the whole thing?

The judge bought it!

Granted, I came into court without a lawyer because I thought the charge was so ludicrous that I wouldn't even have to pay someone to defend me. Little did I know that people can put anything they want into a contract, and just because someone is a judge doesn't mean that they have any more of a grasp about what is right or wrong than anyone who isn't, especially in a rural town like this one. I mean, if we impeached anybody around here, I don't even know how we would get the word out to anybody. We don't even get broadband Internet around here.

I ended up paying twice for a wreck that I didn't even cause. Funny math, but hey, I guess it works for some.

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