I almost called this “Totality Achieved,” since I wrecked my car this summer, and Unblinking Insurance declared the ancient Japanese sled a total loss. Unwilling to accept this verdict, I reacquired the vehicle from them and had the appropriate body repairs done.
I puzzled for a while as to what I should do with my existing insurance policy: obviously there’s no point in continuing to pay for collision coverage, but the other coverages are likely to cost more, because — duh! — I’d just had a wreck. And this week, when the renewal arrived, I judged it to be pretty much a wash: for the next six months I’ll pay an extra $60. If this sounds like a lot to you, you probably aren’t carrying the absurd level of coverage I do.
Usually this is the point where I detail how much each component of the policy went up or down. But inasmuch as this event constitutes a major change, the new numbers are, in my view, no longer statistically significant. So I’m declaring a new baseline, and we’ll see what happens in May. For the moment, I’m grateful for not having being dropped entirely.