Insurance is good for House sitters
One occasion I was asked to house sit for a family
for three weeks while they went overseas on vacation.
The house was in a rural area and they needed to lend me
use of the family vehicle in order for me to get to town
for supplies and entertainment and in case of
emergencies. I did not have a car of my own (I'd been
turned down for car insurance despite a
this website!) so I did not
have an insurance policy to attach this vehicle to and
the family I was going to house sit for wanted to insure
the vehicle in case of an accident, vandalism or theft.
The family checked with their insurance company for
temporary insurance and then checked with some other
companies that only dealt in temporary auto insurance
policies. The rates for the companies that specialized
in temporary policies only offered more competitive
rates than the familyís regular insurance company offer
and offered full comprehensive cover in the event of
most accidents and uninsured motorists.
The family got a quote from temporarycarinsurance.ws,
took out a policy for me and left on their
vacation. For the first two weeks, I drove the
twenty-minute drive into town without a hitch and was
very familiar with the vehicle by this time. One
Tuesday, I decided I wanted to take in a new movie at
the afternoon matinee, do some window-shopping, and
treat myself to dinner at an Indian restaurant that had
received very good reviews in the paper.
I enjoyed the movie and set out for the shopping
district driving during this sunny spring day. There was
a car travelling in front of me and behind me with a lot
of pedestrian traffic lining the streets. I decided to
stay a safe car distance apart from the car in front of
me just to stay on the cautious side. Sure enough, a
team of teenagers ran out to cross the street in front
of the car ahead of me causing them to stop suddenly.
I was lucky enough to stop in time so that I didnít hit
the car ahead of me, but the driver behind me had been
texting on her cell phone, was not paying attention to
the situation around her, and collided into the back of
my car. The force of the impact drove my car into the
car in front of me, smashing the back of their car and
the front of my friendís vehicle. The wind was knocked
out of me as the airbag deployed.
I escaped the wreck with minor injuries that did not
require hospitalization. The police arrived at the scene
and the damage to my friendís car was so extensive that
it needed to be towed to a shop for repairs. When I
called the insurance company to report the accident,
they arranged for a rental car and the rental car
company came to pick me up so I could drive a
replacement vehicle. The insurance policy covered the
cost of repairs to the vehicle and the body and
mechanical problems were restored to working order.
Grimes 2010 All Rights Reserved