Posted On: August 18, 2008, 2:35 pm CDT

Posted By: Kevin Kennedy

Perhaps I was a bit harsh calling them idiots, perhaps misguided is a better term. However, despite my best attempts, too many people still refuse to purchase proper coverage.

Just last Friday, guy has two homes, his primary and a rental and got MAD at me for pointing out that he should carry more than the state-mandated minimum liability on his autos. After all, he was calling to try to reduce his premium. Guess what, he told me I was greedy and just trying to jack up my commissions. After all (his words now) "*I* am not going to have an accident!"

GUARANTEED, if he were to lose it all because he runs over a kid in a crosswalk, he sues me claiming he didn't know he was underinsured.

Not sure why you are an insurance hater DD, don't know what you do for a living or perhaps you are just one of those people upset that you pay premiums and never get anything out of it, like it's an investment or something. I do, however, have 3 pages of disclosures waiting to protect me from you.

See, I live in California where the state motto is "not my fault". Not MY fault I borrowed too much for a house I can't afford! Not MY fault I refused to buy much needed earthquake protection! Not MY fault my kids are in a gang! Not MY fault I am behind on my bills. After all, every one of my kids HAS to have a cell phone and I HAVE to drive a new car like my neighbor... But *I* am not the one who is greedy, it's those big, bad corporations who did this to me.