Goodbye Faithful One
Thursday, June 5th, 2008Sigh.
Once again I was the victim of theft.
I thought I handled it so well this time, but as I write this I am quite bummed. I have lived in Salt Lake City for six and a half years, in many different locations, and out of those six years I have lost six big items. Yep, that means I am batting approximately one big loss per year. Today’s theft was the worst as the item lost was my car.
Sigh.
To date I have lost the following items, none of which were returned.
- mountain bike - I used to have a real nice bike that was stolen from my backyard. This was a painful loss, leaving me to feel so violated.
- car stereo - this one wasn’t a big deal. I actually was going out to the car to uninstall the stereo in order to give it to a friend. Yet, someone had beat me to the process.
- cruiser bike - this one wasn’t painful at all. In fact, I didn’t know it was missing until months later. It was a beater bike that needed some tuning and I found it missing when Spring arrived and I went to do the necessary work. It was given to me and was a quirky bike.
- wallet / phone - this one was truly painful, causing months of identity and credit worry. The items were stolen from my car while I was bouldering at Cabbage Patch in LCC. The Cabbage Patch boulders are seriously right off the road, maybe a 20 foot walk. Yet somehow the perpetrators broke a window and took the items unbeknownest to me. The person was found and prosecuted, but who knows where my credit cards ended up.
- scooter - I cried for days on this one. I bought a scooter, similar to a Vespa. and truly loved the thing. It was part of my identity and at the time scooters were rare in SLC, which made me like it even more. I truly loved this thing. One day it had some problems as I was driving home from the gym and I had to park it in the parking lot of an antique shop. When I went to retrieve it the next day, it was just gone. The story is long and convaluted, but in essence the lady of this store had given it to her friend who was then wanting a ransom for it … blah, blah, blah. It truly is a real weird and long story that ended in me never getting my scooter back in one piece. Funnily, the antique store went out of business about a year later and I believed it was karma.
- car - today the good old faithful Honda Civic was gone. She wasn’t real pretty with her huge dent, but I adored her. She ran so well, even in her old age.
The faithful civic with H.I.P. #1 on the Salt Flats.
The worst detail of the car situation was my car insurance. Please read: ALWAYS HAVE COMPREHENSIVE INSURANCE. My little Honda was a 1991 and pretty banged up, so I figured I would only get liability coverage. In my mind I thought comprehensive would be real expensive and not worth the investment for an old car. I WAS WRONG!!!! I found out from co-workers that the premium insurance is usually only dollars more as the main expense lies in the collision insurance. I was so shocked at learning this fact that I called my insurance company back to learn the cost difference, the total being… get ready for it… $30. By paying $30 more per year I could have recoupped the cost of my vehicle whereas now I have nothing.
Sigh.
This fact really is bothersome as I research out all areas of my life, analyzing the best deals and thoughtfully planning how I spend my money. Somehow it had never crossed my mind to see the cost difference between the two insurance plans. Why the insurance agent didn’t tell me about my options when I bought my policy? I don’t know. It actually makes me angry because isn’t their job to be… "my agent"? However, the main fault is mine as I didn’t do my damn research. How in the world did it slip my mind to ask when I am usually so diligent?!
Sigh.
Ok … enough of the pity party…. I’m back to the giggly self with a newfound insurance lesson.
