Goddamn Insurance Companies
Well, I must forewarn any of you who think you are going to insure your vehicle(s) with Liberty Mutual insurance company. This company sets a single policy activation date and expiry date, and all vehicles on that policy follow those dates irregardless of when they are added to the policy. What this means is, if you have a policy that renews in August, and you buy a car—new or used—in May, you are going to have three months to pay the entire annual premium on that car.
I hope you like to keep hundred-dollar bills in your pocket.
So, what this means is, the longer I wait to bring my ‘89 Formula down to Florida, the more money I’m going to have to cough up to the insurance company every month thereafter, until our next policy renewal in August 2004. Before I bought this car, we were paying $123.45 a month on our two other cars. If I brought the Formula down to Florida today and registered it, that would go up to $199.03 a month. If I wait until next month, it’ll be $211.63 a month. If I wait until December, $229.26 a month. That’s a hundred more dollars to pay in bills every single month until next June (apparently we don’t pay a bill in June or July, since we were forced to put a down payment up front, so there’s fewer months to spread it across).
How the fuck am I going to afford this anal rape? I might as well just take the goddamn car apart, ship it down in oil drums and let it sit there until next summer, for God’s sake! Do federal regulations, insurance companies and tax authorities ever get tired of making it impossible to enjoy living in this country? It’s no wonder so many people break the law these days.
If anybody is listening, I don’t want any Christmas presents. Just don’t give me any. Just send money, for chrissakes. Just send money.
Edit: I just realized this doesn’t make any sense. Why do I have to pay the full premium for the car no matter when I add it to the policy? Doesn’t that amount to a retroactive charge for a time period when I did not own or use the car at all? As a friend of mine asked, “Can you have a retroactive accident?” Sigh. I don’t understand this. I guess now I have to call those idiots AGAIN.
Categorized as Rants