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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link="#0563C1" vlink="#954F72"><div class=WordSection1><p class=MsoNormal><a name="_MailEndCompose"><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>I’ve been in 4 car accidents, in 2 of them, I was hit by somebody with no insurance. In a 3<sup>rd</sup>, in which my Morgan +4 was totaled, the insurance limits carried by the other driver were inadequate to cover the damages.<o:p></o:p></span></a></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>You don’t carry the insurance for yourself – you are insuring yourself against the other guy.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Additionally, if you don’t have “uninsured – underinsured” protection, I would highly recommend it.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>If not for this, I’d have been out of pocket about 150k in these instances. More if anybody had been seriously hurt.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Always remember – you can’t get blood out of a turnip.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Jonas Payne<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>PBR Consulting Services, LLC<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>702.882.6711<o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> Triumphs [mailto:triumphs-bounces@autox.team.net] <b>On Behalf Of </b>Pete Arakelian<br><b>Sent:</b> Tuesday, March 22, 2016 11:33 AM<br><b>To:</b> 'triumphs@autox.team.net' <triumphs@autox.team.net><br><b>Subject:</b> [TR] insurance<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal><span style='font-family:"Candara",sans-serif;color:blue'>All this talk of insurance, collector policies, and agreed value got me thinking about who is liable. If someone hits my car, are they not liable for damages? What does it matter what my insurance says, it is their insurance and personal worth which would/should pay the damages to my car. Even if their insurance had a limit, why is that my problem? If their insurance company wants to total my car, can I not refuse the offer and demand payment of damages from either the company or the individual?</span><span style='font-family:"Candara",sans-serif'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Candara",sans-serif;color:blue'> </span><span style='font-family:"Candara",sans-serif'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Candara",sans-serif;color:blue'>Peter Arakelian</span><span style='font-family:"Candara",sans-serif'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> </span><span style='font-family:"Candara",sans-serif'><o:p></o:p></span></p></div></div></body></html>