When I was originally looking for car insurance I wanted to be as cheap as possible. Because I’m the real life Scrooge and I don’t like spending money and getting nothing in return. Obviously, I wasn’t going to need full coverage. What was I going to do? Try to get my car damaged?
The answer to that is. Yes. I may as well have parked my car in a Juvenile detention centre and handed out the keys alongside a variety of damage-inflicting weapons. I mean, I drove around blind for the first 4 years. Like, I literally couldn’t see the road. The shock when I finally took an eye test and saw the world through prescription lenses was substantial.
Anyway, I was persuaded by the fact that, once, my friend drove through a stop sign 6 hours after buying her first car and immediately wrote it off. And then later the same day another friend picked me up to go shopping and as we were discussing our friend’s bad luck, she skidded full force into a parked car and wrote her’s off too. I decided better to be safe than sorry.
And boy was I glad. Had I not been fully covered I would have been on my own when a delightful ‘gentleman’ who was a loyal patron of a little club named ‘Chubby’s’ rocked up one Saturday morning around 5am as I was parking my car and decided that, in return for me not having sex with him in a deserted train station, he was going to scream obscenities until I left the car park and then proceed to redecorate my car. Oh and also relieve it of the pesky air that was occupying the tyres it was rolling around on. Thanks for that.
The moral of the story is probably, don’t park your car in unsavoury places more than anything else. But the full coverage car insurance thing did help me out, so I recommend you get it as well, or at least look into no deposit car insurance.