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WHAT’S NOT COVERED
UNDER CAR INSURANCE?
By Chuck Wells
So you pay big bucks to have
that car sitting in the driveway and expect that if anything
happens, you will be covered. You know it can’t be that easy!
Here are some things which are NOT covered and you will be S.O.L.
(Sorry Out of Luck):
- Cell phones, CB radios,
scanners, radar detectors, clothes, tools, other personal
belongings even while in your car and they are stolen or
damaged.
- Damage to your car or truck
if it is involved in a speed or racing contest (including mud
runs).
- Customization—no coverage
for the special carpeting, furniture, tv’s, height extending
roofs, custom murals or paint, captain chairs, runners, etc.
You may buy the coverage for these things but you must notify
the insurance company (don’t assume you have this coverage).
- Glass breakage unless you
have comprehensive coverage
- Any damage to your car from
an accident unless you have collision coverage—if you are
not-at-fault and the other person has no car insurance, you
are probably S.O.L. too.
- Damage to your car from fire
or vandalism or theft of the car unless you have comprehensive
coverage
- Money for a rental car
unless you carry the additional coverage and it only covers if
your car is in the shop after an accident (no coverage if in
the shop just for repairs).
- CD’s or tapes
- Stereo system unless it came
with the car or is permanently installed in
the dash
- Dice on the mirror or hula
girl in the rear window
WHAT’S NOT COVERED
UNDER CAR INSURANCE?
A British subsidiary of the German firm Condomi chose 10 men
from among 10,000 college students across Great Britain to be
condom testers. Before you ask, no, I couldn’t find out how they
were chosen. They were paid $170 per term to test for comfort
and convenience of the condoms. They were given an unlimited
supply of the condoms. One of the students said he thought the
assignment was to “get through as many as humanly possible.”
SOME MORE ABOUT STUDENTS
The superintendent of Ravenswood Elementary School in East Palo
Alto, California said that she was interested in purchasing life
insurance to cover funeral expenses for all of her 4,200
students because the city’s homicide rate is the highest in the
nation. She asked teachers to contribute $1,500 each for the
cost of funerals of students killed in drive-by shootings.
SCHOOL BUDGET VOTES
Our state legislators and governor have threatened to terminate
school superintendents and school boards if they do not have
budget votes saying these people are negligent in their jobs.
These same legislators and governor cannot pass their own budget
in open violation of their own law. Instead of putting a
no-confidence line on the school budget vote, people should
resolve to vote out all state incumbents at the next election
and band together with a threatened lawsuit if the state tries
to terminate school superintendents or school boards who
question their rational decision to postpone a vote until the
state decides how much money they will get. Why haven’t other
school districts followed Fairport’s lead?
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