I'll Get Auto Insurance When I have An Accident

Real Estate Agent with Berkshire Hathaway HomeServices - C. Dan Joyner 21498

Do you really believe that if you don’t have auto insurance- that if you CHOOSE not to have auto insurance – and you have an accident tonight, you can go tomorrow morning and get auto insurance, and the accident you had last night will be covered under your new policy? You will be good to go?Car Hitting Tree Really?

I met a girl (approximately 30 years old) today at the body shop who was livid that the aforementioned scenario had not worked out at the insurance company an hour or so earlier. She was appalled that the company refused to cover her!

(Go ahead…we can all have a little group giggle on three: 1…2…3 > > HaHaHa!!! Okay…Now I can continue…)

I couldn’t help myself…I had to get involved. She was complaining to some other girl who was younger than she, and had no clue as to whether or not what this girl was saying was valid, so the younger girl was being very agreeable. So I interjected, “Excuse me, but I’ve been listening to your story (believe me – everyone was…she was by no means soft spoken), and I can hear the frustration in your voice.”

“That’s putting it lightly! I don’t know what I’m going to do now!” she responded. I inquired, “Were you just not carrying insurance, planning to handle an accident in this way, should one arise?” “That’s exactly what I was doing,” she replied. “Well, I’m not trying to be smart or anything, but did you really think that would work?” “Why wouldn’t it?” she replied politely, “My boyfriend did it down in Florida all the time.”

I was dumbfounded at this logic, but I tried to remain respectful. “But that is illegal. And if it was okay, don’t you think everybody would just wait til they needed coverage before they went up and bought it? I mean, do you think I want to pay $200 a month for car insurance???”

She sort of changed the subject then, and I could tell she was uncomfortable with the subject matter. Part of me wanted to lecture her, but a bigger part of me knew that she probably needed more than a lecture…something more than I had to give…so I was kind to her and we ended up talking about her boyfriend and her mom. She said she missed her mom and it would sure be nice to get down to Ocala to see her for Christmas, then her ride arrived and she got up and left suddenly.

I don’t know if she will keep up the insurance thing, hopefully not. And I don’t know if she will see her boyfriend again or not…(we talked about that too)…but I sure hope she gets down to Ocala to be with her mama for Christmas.

I sure hope she does...



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If you are looking to buy or sell a home in the  Anderson or Greenville SC real estate areas, visit our website at www.SheilaNewtonTeam.com for tons of great information.


Sheila Newton   
Sheila Newton Team 
Berkshire Hathaway HomeServices -
C. Dan Joyner, Realtors
864-225-1205 (direct)
864-940-6377 (mobile)


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Marchel Peterson
Results Realty - Spring, TX
Spring TX Real Estate E-Pro

Sheila, Our son's girlfriend was hit by an uninsured driver.  Unfortunately she did not pay the little bit extra for uninsured driver insurance. Her car was totaled; which was paid for but she has medical bills and medical problems that are ongoing.

Dec 05, 2010 01:13 PM #1
Jon Budish
Resident Realty - Fort Collins, CO

Maybe she understands the Obamacare health insurance model, and thought it also applies for automobile coverage.

Dec 05, 2010 01:28 PM #2
Erby Crofutt
B4 U Close Home Inspections&Radon Testing (www.b4uclose.com) - Lexington, KY
The Central Kentucky Home Inspector, Lexington KY

Can you say "naivete".  Lots and lots of it.  Lack of education about how life works gets all of us sometimes.

Dec 06, 2010 01:33 AM #4
Jason Channell
Diadem Property Inspections - Serving Southeast Michigan - Troy, MI
The House Sleuth

Sheila, wow. I honestly cannot understand how so many people develop these strange thought patterns.

Dec 06, 2010 10:35 AM #5
Sheila Newton Team Anderson & Greenville SC
Berkshire Hathaway HomeServices - C. Dan Joyner - Anderson, SC
Selling the Upstate since 1989

Marchel - I hate that for your son's girlfriend.. I hope she will be ok and makes a full recovery.. I guess when it comes to insurance we live and learn...

Jon - could be, who knows?

Erby - for sure

Jason - I agree, It does seem to be "learned" from somewhere though.. very strange!!

Dec 06, 2010 02:55 PM #6
Respect Realty LLC
Respect Realty LLC - Milwaukie, OR
Brokers - Oregon / SW Washington Real Estate

I'm guessing that boyfriend who suggested it won't be in court with her defending what she tried to do.

Dec 06, 2010 05:29 PM #7
Sheila Newton Team Anderson & Greenville SC
Berkshire Hathaway HomeServices - C. Dan Joyner - Anderson, SC
Selling the Upstate since 1989

hahaha... I am sure he won't!! If he keeps that up, HE will be in court for himself!!

Dec 07, 2010 02:25 PM #8
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