In the summer of 2016, at the age of seventeen, I was in my first car accident. I was driving with my boyfriend and our dog when a car ran a stop sign and struck my car. Out of the corner of my eye, I could see the driver racing towards the road at a very fast pace. My brain couldn’t tell my body what to do fast enough. I attempted to swerve left but the driver of the tiny white car was thinking the same and swerved the same direction and we collided. It happened so fast that I blacked out and I do not remember much of the exact situation, all I knew was my neck was hurting and I was panicking to make sure my boyfriend and my dog were alright. As soon as I knew they were okay, I got out of my car and made my way to the other driver’s car. He was already out of his car standing in the street. Although my car was destroyed and, without a doubt, totaled, his car was almost perfectly okay, minus a few scratches. I found myself furious and emotional. It was not at all my fault that I was in a car accident. I was doing everything I was supposed to do, besides being in the wrong place at the wrong time.
After a few minutes, a policeman showed up, along with an ambulance and checked to make sure everyone involved was okay. We proceeded to explain what happened and I called my parents. It was the single most terrifying moment of my life because I had no idea what to do when in a car accident so the police officer had to explain every detail of what to do. I was even more scared because sometimes, even when the accident wasn’t your fault, the scene can look like you caused it, and I didn’t want to lose my car and have to pay for another one on my own. The policeman took pictures and, the other driver and I swapped insurance information.
Still panicking, I waited on the tow truck. My vehicle was in no condition to be driving, if it was possible to drive at all. The tow truck finally showed up and had to hoist my car onto the platform of the tow truck. My boyfriend and drove to my house and the tow truck followed. We showed him the way to my house and dropped my car off in my back yard. I was out of a vehicle and also out of eighty dollars that I had to pay the tow truck driver with.
At this point I felt so upset and out of control of everything and I didn’t know what to do. I kept calling my mom and asking questions and trying to figure everything out. The only thing calming me down was that my mom kept assuring me that the insurance that the other driver had would pay for the damages done to my car, and if it was totaled, I would get the money that the car was worth. I knew that my car was worth at least enough to get another car with, but I had no idea the insurance company would give me twenty-thousand dollars. If it wasn’t for insurance, I wouldn’t have been able to get a new car, and I wouldn’t have the luxury of being able to rely on something to help me whenever something happens to my car. Not only car insurance, but all insurance! If I would have been severely hurt, and had to go to the hospital, my health insurance would pay for my hospital visit. So while all of these discouraging situations are going on, you don’t have to worry about how you are going to pay for things, because insurance has got you covered. Not only did the insurance money pay for my new car, but it also paid off my old car.
Insurance in any aspect truly is a blessing and a privilege. I recommend finding an insurance you feel comfortable with and do your research on different companies that offer insurance, because one might suit you better than the other. You should match your needs with different companies and do comparisons and find the pros and cons of different insurances. Also, my car insurance offers discounts for having a high GPA for high school students, having little to no absences, and also if you have taken driver’s education.
As I said, I highly recommend you do your research and find the best insurance for your needs because some day, something bad might happen to you or someone in your family and you will need insurance to fall back on.
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