My insurance rates just went up $400 a year because I didn't kill a small animal. I drove off the road onto what appeared to be a flat patch of ice-plant to avoid hitting one.
Apparently the city landscaper has a sense of humor. Hidden under the ice-plant was a ditch big enough to eat the front end of my new Scion. $2100 worth.
My agent said that if I'd sustained the damage HITTING the animal, it would have been covered by the "comprehensive" part of my policy and wouldn't have triggered a premium increase. Because I did it AVOIDING the animal, that's "collision" and my premiums will be $200 higher every 6 months for three years.
I hope that damn animal has a long and happy life on my 1,200 bucks.
And I hope the insurance company executives die gruesome, bloody deaths from vicious small animal attacks.
(Unfortunately, you can't just shoot the bastards.)
You Might Want to Rethink that, Snowflake
18 hours ago