Tag Archive for fault

The Human Football

We’re all aware of the demonstrations in recent months sparked by the death of George Floyd. And most of us realize that he’s mainly a symbol of the racial discrimination in our country. The demonstrations are NOT, as we’ve been repeatedly told, mismanagement by one party’s governors.  In fact, 26 of those states experiencing these demonstrations have Republican governors and 24 have Democratic governors.  Yes, that’s all 50 states, indicating that this is a concern shared by every state in our union. So, let’s stop making this an election-year political football and get down to the hard work of curing our national black eye.  If you’re interested, here’s the list. 

Republican: Alabama, Alaska, Arizona, Arkansas, Florida, Georgia, Idaho, Indiana, Iowa, Maryland, Massachusetts, Mississippi, Missouri, Nebraska, New Hampshire, Ohio, Oklahoma, North Dakota, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, West Virginia, Wyoming. 

Democratic: California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Montana, Nevada, New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania, Rhode Island, Virginia, Washington, Wisconsin.

Do You Know this About Your Car Insurance?

I learned the hard way.  I thought I was covered and financially protected from bad guys.  Not quite true.

I came out of a store, loaded with groceries, only to find that someone had damaged my car.  There was no note, and no culprit in site.  A hit-and-run.  My insurance agent said No problem–it’s  covered and, since it wasn’t my fault, I wouldn’t have to pay the deductible.  He was wrong.

Apparently, because there wasn’t any other person to blame it on, the insurance company had no other person or insurance company to go after to pay for the damage.  Since my company had to pay, they charged me the  deductible (which is pretty hefty).  And this practice is true throughout the insurance industry.

Not your fault, but you have to pay.  Be warned.