Matthew, I've been rear-ended by someone without insurance. My car was repaired just the same. I always carry enough insurance to repair or replaced the car as needed. I also had glass damage in a separate incident and had my front windshield replaced. I paid for it out of pocket, and it was a little less than $200. While on the subject of insurance, it's also important to make sure you're not paying for a lot of redundant insurance. I have my auto insurance agent remove my medical (I leave the medical for others), the towing, and the rental car stuff. I have good health insurance, AAA, and another car. I also have good business insurance which has a blanket liability, etc. I cover most every possibility, but I try to make sure I'm only covering it once! :-) As for coverage, I don't buy the cheapest, but I also don't spend lavishly. I pay to insure what would need to be replaced. I insure for liability up to a reasonable amount (95% probability limit), and I don't double insure. You will often find a lot of overlap that can save you money if you take a good look through ALL your policies. Regards, Rob McCall McCall Piano Service, LLC www.mccallpiano.com Murrieta, CA 951-698-1875 On Nov 09, 2011, at 05:33 , Matthew Todd wrote: > True. Unless of course, someone rearends you.....and wouldn't ya know? They don't have insurance! Ooops, guess I just lost that money I thought I was saving over the years :-) > > TODD PIANO WORKS > Matthew Todd, Piano Technician > (979) 248-9578 > http://www.toddpianoworks.com > > From: Rob McCall <rob at mccallpiano.com> > To: Matthew Todd <toddpianoworks at att.net>; pianotech at ptg.org > Sent: Tuesday, November 8, 2011 11:37 PM > Subject: Re: [pianotech] vehicle lease > > Unless, of course, you paid an extra $450 that year to your insurer to have the better coverage over and above the minimum insurance... :-) With minimum coverage, on the years that you don't have a claim, you save the money to put towards future repairs, if needed. > > Just a thought... > > Regards, > > Rob McCall > > McCall Piano Service, LLC > www.mccallpiano.com > Murrieta, CA > 951-698-1875 > > > On Nov 08, 2011, at 06:31 , Matthew Todd wrote: > >> I've never had minimum insurance coverage and never plan to. Comprehensive is a good thing to have. Example: I recently paid $50 (deductible) for a $500 windshield. >> >> TODD PIANO WORKS >> Matthew Todd, Piano Technician >> (979) 248-9578 >> http://www.toddpianoworks.com/ >> > > > -------------- next part -------------- An HTML attachment was scrubbed... URL: <https://www.moypiano.com/ptg/pianotech.php/attachments/20111109/0a66c966/attachment.htm>
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