Allison J

It only takes one moment for your life to turn upside down. Sometimes these moments can be good, other times bad. During those bad times, I believe that along with the love and support of friends and family, insurance is one of the important factors that can help you piece your life back together. Insurance certainly played a role in helping my mother after a bad car accident when I was in elementary school.

I remember one recess during fifth grade I started getting a bad stomach ache, so my friend walked me to the school nurse’s office. Some may think that my stomach ache was a premonition, but at the time I just wanted to go home. I didn’t have a fever or anything serious, but I was able to convince the nurse to call one of my parents to pick me up. She called my mother. No answer. She called my father. No answer. My parents always answer their phone. The nurse let me lie down and wait to see if one of my parents would call back before recess ended, and as an impatient fifth grader, the nerves started to make my stomach ache worse.

Finally, the phone rang. When the nurse hung up the phone, I could tell she didn’t have good news. She calmly explained that my father had called back, and that my mother had been in a car accident. I vaguely remember her saying something about him meeting my mom at the body shop and that he will see if another family member could come and get me. However, I had stopped comprehending what she was saying after she said car accident. At that age, I didn’t even know what the body shop was—was it for my mom’s body and why is a tow truck man taking her there? The only car accidents I knew of were the tragic ones in movies where someone dies, and of course, I started thinking the worst-case scenario. As a kid who rarely cried, I tried to hold back the tears—it didn’t work. The nurse was going to let me stay in her office until someone picked me up so I ran back to class to grab my backpack, but I didn’t want to socialize with any of my classmates. All I wanted was to know that my mom was going to be okay.

It felt like an eternity before my aunt showed up. I immediately ran up to her, asking countless questions about my mom and what happened. She gave me a big hug, and told me to calm down—my mom was not badly injured but her car was totaled. I felt like a weight had been lifted off of my shoulders, but I still wanted to see my mom. My aunt convinced me that my parents would be home soon, but in the meantime, we were going back to her house to wait. She fed me my favorite snack to ease my stomach—Parmesan Goldfish—and let me watch the Disney Channel. This didn’t help because I absolutely hated waiting, and I had never been more silent than during this period of waiting. When my dad arrived to pick me up, he knew he was going to be bombarded with questions like my aunt, and he immediately said that he will explain everything on the way to meet back up with my mom. Finally, we arrived at the car shop, and I see my mom sitting in the waiting area. I try to open my car door to run up and hug her (luckily my dad’s car had child-lock), but of course, my dad starts yelling at me to wait until he parks the car. The first thing I told my mom was that I loved her, and for the first time, I was content with waiting at the car shop with her for the rest of the day.

My mom’s car had been rear-ended and totaled, and while my mom had no visible injuries, her back was in immense amounts of pain. We were fortunate enough to have car insurance that took care of the expenses of a new car and medical insurance that paid for my mom to go to physical therapy for her back. Although her back occasionally still causes her pain to this day, my family would have never been able to afford the medical bills for her to continue to go to physical therapy for a couple of years after the accident. In elementary school, I was very naïve and just thought that there were nice people who wanted to help my mother, but as I got older, I began to realize that all types of insurance are like “fixers” that can truly make a difference in times of need. While I may not know what my future may bring me or what career I want after college, I am extremely grateful that my parents have excellent insurance that will cover me until I am twenty-six and have a job with insurance as caring as theirs.

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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.