Orange Juice and Advil

 In Colorado Insurance Agency, Colorado Insurance Professional

There was no orange juice in the fridge.  We were out of bread for toast.  As I headed out the door, I knew it wasn’t going to be a good day.  From there, things only got worse.  I seemed to hit every red light on the way to work.  Just as I was making that last turn into the parking lot, a truck suddenly stopped in front of me and my brakes didn’t work as well as I needed them to.   Boom!  I rear-ended the truck in front of me and totaled my car. With the exception of a minor scratch under his bumper, the truck was fine.

After we exchanged information, I called up my insurance company expecting that they would direct me to a rental car and a repair shop.  As it turns out, they told me I didn’t have collision coverage on my policy.  I was so mad that I could feel my face turn a fiery red.  I had been paying my insurance company hundreds of dollars every year to help me out when I needed it most… or so I thought.  As it turns out, I made a horrible mistake.  I bought my insurance online trying to save some cash and it turns out I didn’t get what I thought I was getting.

I didn’t know how to read my insurance coverage or even what my coverage meant.  All I knew was to make sure I had coverage so if I was pulled over I wouldn’t get an extra fine or have my license revoked.  I didn’t really know anything about the different types of insurance.  All I wanted was a cheaper policy and look where that got me.  I was in a place where Advil couldn’t even help.

Looking back at the entire situation I can see where I went wrong.  I did not have my orange juice when I purchased my insurance either.  In these situations it is important to remember to have your orange juice in the morning and know how to read your insurance policy.  I hope you have the opportunity to learn from my situation so something like this doesn’t happen to you.

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Affordable American Insurance is a local Colorado independent insurance agency.  Being an independent insurance agency means we sell insurance from multiple insurance companies some of which include: Travelers, Safeco, The Hartford, Progressive, and many more.  If you are currently looking for life, health, business, auto, home insurance, we have a company that is right for you.  Find your local agent here.

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Joshua Smith
Affordable American Insurance
Director of Social Media

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Showing 10 comments
  • Anna

    Just checked the fridge, and we are out of OJ. Uh oh, gonna be a bad, bad day… ;P

    • josh

      That can’t be good. I hope your day turns out fine.

      • Gatsy

        Mighty useful. Make no mistake, I appreciate it.

        • josh

          @Gatsy This was one of my favorites right up their with “Charlie and the Insurance Factory”. It is important to know how much insurance you have because the minimum limits might not be enough.

          What is your favorite breakfast item that you just have to have with orange juice?

  • hydorgen generator

    pretty valuable stuff, overall I imagine this is worthy of a bookmark, thanks

  • current transformer

    nice to be visiting your blog again, it has been months for me. Well this article that i’ve been waited for so long. I need this article to complete my assignment in the college, and it has same topic with your article. Thanks, great share.

    • josh

      @current transformer I am glad my blog helped out with your college assignment. If you need more insurance information let us know.

  • Marina

    You have really interesting blog, keep up posting such informative posts!

    • josh

      @Marina Thanks for reading our blog we are glad you liked it.

  • Bordeaux

    Thanks for the writeup. Greatly appreciated.