Insurance? No Big Deal Right?

High school brings such freedoms, especially when you get the all might license and for those of us who may be lucky enough to have a car or have a friend with a car.  I loved being able to leave campus at a moments notice whether to go to the beach ( I grew up in San Diego.) or out to get something better to eat than the school cafeteria had to offer.  As an adult, looking back, this new found freedom comes at a time when a teenager really shouldn't be given that freedom.  I'll be honest.  My sense of responsibility and the seriousness of driving a car were no where in my head.  I could drive and that was what it was all about.  And sure enough my girlfriend and I learned a valuable lesson.

We were heading down the main drag to go find food.  It was raining.  I was driving her old, beat up, white compact car.  The street had light after light and we were making them, but then we got to an intersection where it was clearly yellow, which in teenager terms mean drive faster to avoid the red.  Besides it was raining and I did have the fore thought to not skid into the intersection, so goose it I did... unfortunately I had not seen that the light ahead was backed up to the intersection I was speeding through.  I had to slam on the brakes.  We slid and slid and watched as we knew inevitably we were going to hit the car in front of us.  And we did.  It didn't seem so bad.  We all jumped out.  My girlfriend had hit her tooth on the dash and it was bleeding.  We laughed when we looked at our car and realized her car was such a piece of junk, we had no idea which dent was the one we just put into her car.  All was good.  She said she had no insurance but no big deal, she didn't care what her car looked like and we wouldn't need to fix it.  We were golden.  But then the driver of the car we hit came over.

He was almost in tears.  He was driving off the lot, still with brand new stickers, a brand new TR7 sports car in bright red.  Both side doors had popped out to he side like a can when we hit the back.  We told him we were sorry and then he asked for our auto insurance information.  We said we didn't have any, but he must have some with such a nice car.  And then reality.  You mean we use our insurance if it is our fault?  A phone call to Daddy and once again, my ever efficient father had had me on the auto insurance since I had my permit.  He made me go through the entire process.  All the paperwork.  And an irresponsible teen gained a little insight to the responsibilities of driving a car.

I am participating in a blogger campaign by Bucks2Blog for san diego auto insurance and was compensated. However, the views and opinions are my own.