On the Sixth Day of Christmas the Geese Made a Mess of My Life

New Mexico Auto InsuranceOn the sixth day of Christmas my true love gave to me six geese a laying, five gold rings, four collie birds, two French hens, and a partridge in a pear tree”
On the sixth day of Christmas my true love gave to me six geese a laying, and I didn’t know they were going to be right in the middle of my drive way. Can you believe that I ran one over with my car? It was a disaster. I mean the poor goose didn’t make it and I felt really bad about that, but the damage to my car was bad too. In addition to that the remaining geese decided that they need to guard my house and chase all the neighbors, one of the children even got bit and had to go to the doctor. I’ll be glad when my true love stops giving me things for Christmas.
Well, thank goodness I have good insurance coverage. I made sure that I paid the additional premium for comprehensive insurance. Some people call the combination of comprehensive and collision coverage “full coverage”; but, really there is no such thing as full coverage. It will never appear on any insurance documents it is just something that people say. It is also very inaccurate. I could have comprehensive and collision coverage but not have roadside assistance coverage or rental reimbursement coverage, and that only refers to the additional property damage coverage that is available under the personal auto policy.
Thankfully I did have both the roadside assistance coverage and the rental reimbursement coverage. I called a tow truck and had my car towed to the nearest repair shop and then drove a rental car until my car was fixed. It really removed a lot of the headache from my life. I only had to pay my comprehensive deductible of two hundred fifty dollars.
Dealing with my now angry neighbors was a different story. I guess they didn’t appreciate their children being chased and bitten by angry geese. Fortunately, the geese didn’t do any real damage – there were no broken bones or anything like that – just some skinned knees and bruises, more than anything they just really scared the children.
I was happy to offer to pay for any medical expenses that were incurred and even offered to take the children to the doctor, and this seemed to calm the parents somewhat. I knew that my homeowner’s insurance would cover the medical expenses under the medical payments to others coverage. This coverage is designed for cases just like this where it is important to show empathy and maybe the goodwill will prevent a lawsuit.
Its sure is a good thing that I have a great insurance agent to call in times like these


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