17 Ashlee J

Insurance is important to me for a multiplicity of reasons. I quite literally don’t know where I’d be without it. I assume many people appreciate insurance for simple reasons, but I have a story that is would not be complete without insurance.

When I was fifteen, almost sixteen, I was in a life changing car accident. I was diagnosed with a Traumatic Brain Injury, a shattered pelvis, a broken jaw, and a daunting 3% chance of living. My dad is in the military, and their coverage when it comes to medical is 100%. Every penny of the hospital bills, therapy, surgeries, and the Doctors visits was covered through insurance. The best care was provided to me because money was not an issue. Without the stress of money, my family was able to focus on the things that truly mattered, and I am here today because of their love and support during my hardest times. I wasn’t able to walk for months, and a wheelchair was provided to me without any money coming out of my parents’ pockets. I am blessed with the ability to be as strong as I am today because there were no worries, no second guessing, and no monetary stress during that time.

The times we live in today call for a new way to be able to insure our families and receive the coverage we so desperately need. Leaders need to step up and find a way to protect America from the money hungry citizens of our beloved country who want nothing more than to greedily take our freedom.

The emphasis that my parents’ put on having good insurance has carried over. My husband and I do anything in our power to ensure that the insurance we’re provided with is both affordable, and the best quality insurance that is possible. I am pregnant and for me, working has been almost impossible. The best insurance option that we had for the first couple of months of the year was through my employer. I have stuck with the job, knowing that without it, we would not be able to gain the insurance we needed. Now that my husband is almost finished with his layoff term, we have talked and agreed that the best option for my employment status will be to be a full-time student as well as a full-time mommy this summer. Until then, I will be happily employed at my current job. We now have insurance through his employer, which is definitely a load off my back.

I have learned from my experience, and from seeing the hardships of others, that insurance is essential for a happy and healthy life. Thankfully, I have been privileged to live through a traumatic experience which included insurance, but I do have a lot of examples of people who weren’t so fortunate.

When I was 18, I was warned by my mom to not leave the house, as there was a busy football game going on that night. I went to pick a friend up from her house, and then we went to a gas station. After we were finished filling my tank up, we headed to the Church function we were attempting to drive to. As my mom so kindly made me aware of, the streets were full of traffic. I was turning left from the gas station onto a 50 mph road. I was patiently waiting for my turn to go, when my friend in the passenger seat began to scream.

“Go, go, go!”

Without much thought, I proceeded forward. As I did so, my life flashed before my eyes. A green F-150 was coming straight at us from the right. I had no choice but to immediately put my car in reverse. In all of the commotion, I hadn’t looked behind me. I backed into a small, black car. I got out of the car, thankful to be alive. The lady that I hit was already on the phone with the local police department. I waited for the cops to show up, as she looked away from me. The policeman were there fast, and they immediately came up to me with worried looks on their faces.

“Are you okay, ma’am?”

“Did she hit you?”

I informed the cops that I backed into her, and they asked to see the damage.

“She hit me”, said the lady that I backed into.

“It doesn’t look like there’s enough damage for us to do anything. If you would like to file a claim, you’ll have to take it into your own hands. The damage here is less than $1,000. Take it up with your insurances.”

It seems as if the verdict was decided there. The woman that I backed into didn’t have insurance and she was scared, but I was calm the entire time. We exchanged information. The woman left, and we spoke with the cops for a little bit longer. We headed to our Church event, and I never got a call regarding the fender bender I was at fault in.

I realized then, and have many times since then, that insurance isn’t only to protect your safety, but it also keeps you sane and gives you peace of mind. It is important to make sure that your family is insured at all times. I know that not only from real life experience, but from many testimonies of others.

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