Driving and Insurance

December 30, 2010 at 2:20 am

I’ve been driving w/cidp for 17+ years now and while I can’t walk, I can drive. My doctor said part of the reason is I already knew ‘how’ to drive. I estimate my ‘feeling’ range at about 40%-60%, however I do plan my trips with great care to avoid ‘rush hour’ and I like to use the roads less traveled.
I recently added a $1,000,000.00 ‘umbrella policy’ to my insurance, it picks up up where my all my regular policies leave off. I don’t feel like I’m a danger on the road but if anything did happen and I’m the guy – not at fault – and there’s a set of crutches and a power wheelchair in my van, and I can’t walk ~ well, I think an attorney would try to make some hay out of that.
I wouldn’t want to lose ‘everything’ I’ve worked for and my understanding is that if you lose, a lot of your assets can be ‘at risk’. I don’t recall the premium but I had to rearrange some of my policies in order to get the umbrella coverage.
In general, I think it’s a good idea for me, and maybe worth looking into. Best of luck to all you drivers ~ its a tough call. Relying on others is not something I like to do but I’ve got a brain and their are days when I don’t think I should drive or it’s wise to ask for help. “A man with out a car is like a cowboy without a horse” old quote, I heard somewhere.