[V8] insuring old cars.

[Roger M. Woodbury]

No, no, no.  Of course I mean I no longer insure the CAR itself, but merely
buy liability insurance, uninsured motorist coverage and med pay.  I have a
LOT of liability insurance.  

As far as dropping coverage on the cars themselves, that decision was made
when replacement cost dropped below $7500 or so.  Since dropping all
coverage on all the vehicles I have had two incidents on the road, both of
them in The Green Horney.

Coming back from dinner one evening, a cat ran across the road and I hit it
with my right front corner, taking out the fog light.  Expensive to replace
the fog light, of course, and used ones so far are unobtainable.  So that
repair still is waiting.  Due to Maine inspection regulations, the left side
fog light had to be removed also.  The rule is if there were two from the
factory, there must be two at inspection time.

The second incident happened this past February while driving to do some
minor repair work on my daughter's house.  We had had a couple of inches of
snow the night before, and a truck approaching me from the opposite
direction kicked up one of the rocky ball bearings that Maine uses to sand
their roads. The ding on the left front corner of the windshield rapidly
spread across the windshield.  Last week, it cost $240 to replace the
original windshield.

We have had that car for six years and almost 95,000 miles.  I have saved
that $240 each year for the past four that the car has been uninsured.  

The caveat is that if I wreck any one of the cars, I have no one to blame or
collect from except for me.  I'll take the chance.

Roger

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