Karel W

When I was 22 years old, I was driving up to Tampa, Florida from my home in West Palm Beach. It was about a four-hour drive and man was it a long one. I remember thinking on my way there how dangerous State Road 60 was. It only had two lanes, one in one direction, and one going in the other. I would always see people over-take other cars on these single-lane highways, even when they weren’t supposed to. I told myself I would never do that, knowing how dangerous it was and how close these cars got to each other. One wrong move and it would be over for both drivers.

I was about an hour into my drive, stopping in Vero Beach to pick up my older brother. Little did I know, that a local road would be my demise, and not that two-lane highway. I was making a left turn and before I knew it, an SUV had slammed into my passenger’s side, spiraling my car out of control and into a small ditch on the side of the highway. I was having too many emotions at that time. I didn’t know if I was dead or injured or alive. I looked around and my heart was beating out of control. I tried to unbuckle my seatbelt and look for my cell phone to call my brother. I was crying. I didn’t know what to do. I didn’t see that other car coming towards me and my car was totaled.

I heard ambulances and fire rescue as I stepped out of my car. I looked at the other vehicle to make sure everyone was alive. I was sitting in the ambulance and waited for my brother to arrive. I had a million thoughts in my head, I didn’t know where to even start.

Luckily, we had car insurance. Without it, I don’t know how we would have gotten back on our feet. My mother, being a single mom, gave us what she could but there was no way she could afford to buy me two cars in one year. Our insurance made it so easy to file claims and take care of all the paperwork. They would call and update us every time something happened. All I had to do was file my claim and everything was taken care of. Our insurance made it so that with everything going on at the time, the last thing we should be worried about is getting sued or legal fees. It took the weight off my shoulders and help me gather my life back after the accident.

After getting the rest of the insurance money for my car, I was able to get a new car and move onto a new chapter in my life. I’m definitely more aware of my surroundings, especially when I drive. It’s a situation I never me, or my loved ones, to ever have to go through again. Car accidents are an all-too-common phenomenon and insurance is a big help when it comes to these situations.

Auto insurance is not the only type of insurance that can be a great benefit. When I was studying for my GRE when I was a junior in college I developed an infection in my wisdom tooth. It was so painful and I couldn’t concentrate on studying. That day, my mom drove me to the dentist and he had to cut the infection out of my gums. No anesthesia, just scissors and stitches. Our insurance covered the procedure and all we had copay was forty dollars. Without this, we would have been out thousands of dollars and I probably would have had to live with the dangers of that infection until I could find the right price to help me. I was in an out of the dentist’s office within 2 hours. Along with the pain meds, the insurance definitely helped. I’m grateful the financial burden of this procedure was lifted off of my mom. In my opinion, she does more than enough for me and having insurance is a blessing. It also covered my pain killers and check-ups to the dentist afterward. Seeing this dentist help me is one of the major reasons I decided to pursue a degree in Dental Hygiene.

Having insurance gives me the peace of mind that I can go to the doctor for minor ailments I may have. I am prone to urinary tract infections and even going to the doctor for that without insurance is easily $150. Now that I am starting a new Dental Hygiene Program in the fall, my insurance covered certain vaccinations I needed in order to enroll in classes. It not only helps us in big accidents, but small, everyday ailments. Sometimes, it’s the little things that matter most.

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