People are particularly stupid today

Wow. I would really like to just take the rest of the day off. I tried to buy off the techie with $25 to say he couldn't fix the server. That would have been great.

Someone just called and told me that I gave them a quote 3 weeks ago and decided they would like to start that policy... oh uh... April 8th is 3 weeks ago? Way to drive without insurance moron.

Since I'm venting... let me explain insurance in Nika words.

A: I know it sucks, but it's necessary to protect your assets. (HA I said assets)
B: ALWAYS carry 300k liability on your home.. at least. If a mailman gets hurt on your property and sues you. Goodluck with 100k.
C: Bodily injury on your auto.... for the love. never ever ever get state minimum. In Utah it's 25k per person, 50k per accident, and 15k for property. You hit Mr special persons Viper... you really think that 15k is going to be enough to cover it? REALITY CHECK. Accidents are accidents. Just because you think it will never happen to you doesn't MEAN it will never happen to you.
D: Uninsured and Underinsured coverage. This is for bodily injury... meaning if you get hit by someone and are injured and they're not insured, your insurance will kick in for medical bills. "Oh I have good health insurance" isn't a good excuse to waive this coverage. To freaking bad that health insurance companies don't cover everything too... AND always get the same amount on this coverage as your bodily injury... Don't want to protect someone else more than you are protecting yourself. That's just silly.
E: When you call an insurance place, don't complain that Mr. Joe's office down the street got you a better deal, and that we should be able to do the same. Just remember that every vehicle, person, coverage, etc etc is rated differently with every company. Just because they got you a great deal doesn't mean someone else won't be able to do better in two years.
F: flood and earthquake insurance is a little excessive, until you are in that situation. Look at what you own and decide if it's worth the extra 500-1000 a year to protect yourself if something unexpected happens. Remember that outside water leaking in, whether it be from rain... snow... a river, won't be included on your normal home policy. you'll have to ask for it separately.
G: ALSO, when you're calling your insurance agent, remember that she's cute and awesome just like me, and to be nice... and lying is stupid. If you lie to your agent about something because you don't want to pay a little more... hope you don't get stuck with problems with the insurance co not paying out for a claim because you didn't disclose that a 17 year old is living in your home driving your cars.... or your fireplace... trampoline... etc
H: If you own a couple of cars and a home... I would suggest getting an umbrella policy. i think 1 mill is the lowest you can get. They usually require really high limits on liability, but it's good if you hit that viper... or kill someone.
I: Another word of advice. scan receipts for big items and email them to yourself, so if there's a fire you can prove you paid 10k for your couch. Also, take pictures of your furniture and clothes and do the same thing. If you want to replace all of your clothes after a fire, better be able to prove you had 50 shirts. DON'T KEEP CASH IN YOUR HOUSE. You're basically hosed if there's a fire.
J: AND LAST OF ALL... don't get mad at me if your insurance lapses. You get the notices. It's not my job to babysit you and make sure you read your mail.... and don't pay your comcast bill instead of your insurance one...Learn2growup.

K I R DONE!

PS GO CELTICS