Warranties, Insurance and the Fustration Coproration

I note that I haven't mentioned the fact that I have had a car accident in the last few weeks. Luckily it wasn't a major car accident. The car still runs fine and there was no other car involved. The experience was a little bit nerve racking and I about passed out, and my face looked messed up from the air bag rug burn.

It is a good thing that we have insurance, right? Well, not in my particular case. I was completely uniformed as to what I should do in a situation such as this. Had I been informed, I would have pulled the still functional car to the side of the road somewhere, rested a while till the adrenaline wore off, then drove the car home.

What really happened was this. The police said I looked pretty banged up and told me that I should go to the hospital “just in case”. The called a Tow truck which ended up not delivering the car to my house as I had asked. I got carted off in an ambulance to the hospital in the next town where everyone just poked and prodded me and finally stated that I was fit as a fiddle (other than my scraped up face). While sitting in the hospital I was approached by one of the officers and she informed me that I now owe the city of Olathe $240 because my car skidded on a patch of wet road. I managed to get home, by aide of a good friend, only to find my car not there. I recuperate for the next few days and later receive a bill in the mail for my ambulance ride totaling $419.95.

Later I found out that my insurance doesn’t cover the tow truck. I am still waiting to see if my health insurance is going to cover the ambulance ride. I will pay the City traffic fines although I think I was taken advantage of; especially since the officer serving me the fines told me that she just about crashed on the way to my car.

Why do my parents pay this insurance if the insurance doesn’t cover this stuff?

My answer is that the Fustration Corporation is behind all the insurance companies. They promise much, deliver less, make the arrangements of payment difficult and complex. They develop different systems to avert the payment to another insurance company. Last, when all else fails, they increase your insurance payment for making them go through all the trouble of running around in order to determine that they aren’t going to pay your debts.

At least my laptop warranty hasn’t failed. My processor fan stopped working and the computer began to overheat. I am planning on taking it in and taking advantage of my warranty. I decided it would be good to at least look at the warranty before hand and I found this to be quite amusing…

http://www.eservicentral.com/microcenter/07-MICRO-BF101-4-15-2007.pdf

under paragraph 13 C. (Bold added)

C. Damage or other equipment failure due to causes beyond our control including,

but not limited to, repairs necessary due to operator negligence, the failure to

maintain the equipment according to the owner’s manual instructions, abuse,

vandalism, theft, fire, flood, wind, freezing, power failure, inadequate power

supply, unusual atmospheric conditions, or acts of war or acts of God.

Someone has humor..

~SB