<html><head></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; ">Matthew,<div><br></div><div>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.</div><div><br></div><div>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!  :-)</div><div><br></div><div>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.</div><div><br><div apple-content-edited="true"> <span class="Apple-style-span" style="border-collapse: separate; font-family: Optima; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; font-size: medium; "><span class="Apple-style-span" style="border-collapse: separate; font-family: Optima; font-size: medium; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; "><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><span class="Apple-style-span" style="border-collapse: separate; font-family: Optima; font-size: medium; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; "><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><span class="Apple-style-span" style="border-collapse: separate; font-family: Optima; font-size: medium; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; "><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><span class="Apple-style-span" style="border-collapse: separate; font-family: Optima; font-size: medium; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; "><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; ">Regards,</div><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><br></div><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; ">Rob McCall</div><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><br></div><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; ">McCall Piano Service, LLC<br><a href="http://www.mccallpiano.com/">www.mccallpiano.com</a></div><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; ">Murrieta, CA</div><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; ">951-698-1875<br><br></div></span></div></span></div></span></div></span></span> </div> <br><div><div>On Nov 09, 2011, at 05:33 , Matthew Todd wrote:</div><br class="Apple-interchange-newline"><blockquote type="cite"><div><div style="color:#000; background-color:#fff; font-family:arial, helvetica, sans-serif;font-size:10pt"><div><span>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 :-)</span></div><div></div><div> </div><div><b><font color="#0000ff" size="4"><span style="font-weight: normal;"></span></font></b><b><font color="#0000ff" size="4"><u>TODD PIANO WORKS</u></font></b> <br><font color="#0000ff"><font size="3">Matthew Todd, Piano Technician</font> <br><font size="3">(979) 248-9578</font></font></div> <div><font color="#0000ff" size="3"><a href="http://www.toddpianoworks.com/" rel="nofollow" target="_blank">http://www.toddpianoworks.com</a></font></div><div><br></div><div style="font-family: arial, helvetica, sans-serif; font-size: 10pt;"><div style="font-family: times new roman, new york, times, serif; font-size: 12pt;"><font size="2" face="Arial"><div style="margin: 5px 0px; padding: 0px; border: 1px solid rgb(204, 204, 204); height: 0px; line-height: 0; font-size: 0px;" class="hr" contenteditable="false" readonly="true"></div><b><span style="font-weight: bold;">From:</span></b> Rob McCall <<a href="mailto:rob@mccallpiano.com">rob@mccallpiano.com</a>><br><b><span style="font-weight: bold;">To:</span></b> Matthew Todd <<a href="mailto:toddpianoworks@att.net">toddpianoworks@att.net</a>>; <a href="mailto:pianotech@ptg.org">pianotech@ptg.org</a><br><b><span style="font-weight: bold;">Sent:</span></b> Tuesday, November 8, 2011 11:37 PM<br><b><span style="font-weight: bold;">Subject:</span></b> Re: [pianotech] vehicle lease<br></font><br> <div id="yiv931386170"><div>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.<div><br></div><div>Just a thought...<br><div><div><br><div> <span style="font:/normal Optima; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; border-collapse: separate; orphans: 2; widows: 2;" class="yiv931386170Apple-style-span"><span style="font:/normal Optima; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; border-collapse: separate; orphans: 2; widows: 2;" class="yiv931386170Apple-style-span"><div style="word-wrap: break-word;"><span style="font:/normal Optima; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; border-collapse: separate; orphans: 2; widows: 2;" class="yiv931386170Apple-style-span"><div style="word-wrap: break-word;"><span style="font:/normal Optima; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; border-collapse: separate; orphans: 2; widows: 2;" class="yiv931386170Apple-style-span"><div style="word-wrap: break-word;"><span style="font:/normal Optima; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; border-collapse: separate; orphans: 2; widows: 2;" class="yiv931386170Apple-style-span"><div style="word-wrap: break-word;">Regards,</div><div style="word-wrap: break-word;"><br></div><div style="word-wrap: break-word;">Rob McCall</div><div style="word-wrap: break-word;"><br></div><div style="word-wrap: break-word;">McCall Piano Service, LLC<br><a href="http://www.mccallpiano.com/" rel="nofollow" target="_blank">www.mccallpiano.com</a></div><div style="word-wrap: break-word;">Murrieta, CA</div><div style="word-wrap: break-word;">951-698-1875<br><br></div></span></div></span></div></span></div></span></span> </div> <br><div><div>On Nov 08, 2011, at 06:31 , Matthew Todd wrote:</div><br class="yiv931386170Apple-interchange-newline"><blockquote type="cite"><span style="font:/normal Optima; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; border-collapse: separate; orphans: 2; widows: 2;" class="yiv931386170Apple-style-span"><span style="font-family: arial, helvetica, sans-serif; font-size: 13px;" class="yiv931386170Apple-style-span"><div><span>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.<var id="yiv931386170yui-ie-cursor"></var><br class="yiv931386170yui-cursor"></span></div><div></div><div> </div><div><b><font color="#0000ff" size="4"><span style="font-weight: normal;"></span></font></b><b><font color="#0000ff" size="4"><u>TODD PIANO WORKS</u></font></b><span class="yiv931386170Apple-converted-space"> </span><br><font color="#0000ff"><font size="3">Matthew Todd, Piano Technician</font><span class="yiv931386170Apple-converted-space"> </span><br><font size="3">(979) 248-9578</font></font></div><div><font color="#0000ff" size="3"><a href="http://www.toddpianoworks.com/">http://www.toddpianoworks.com/</a></font></div></span></span><br class="yiv931386170Apple-interchange-newline"></blockquote></div><br></div></div></div></div></div><br><br></div></div></div></div></blockquote></div><br></div></div></body></html>