[pianotech] vehicle lease

[Rob McCall]

Matthew,

I've been rear-ended by someone without insurance. My car was repaired just the same.  I always carry enough insurance to repair or replaced the car as needed. I also had glass damage in a separate incident and had my front windshield replaced.  I paid for it out of pocket, and it was a little less than $200.

While on the subject of insurance, it's also important to make sure you're not paying for a lot of redundant insurance. I have my auto insurance agent remove my medical (I leave the medical for others), the towing, and the rental car stuff.  I have good health insurance, AAA, and another car. I also have good business insurance which has a blanket liability, etc. I cover most every possibility, but I try to make sure I'm only covering it once!  :-)

As for coverage, I don't buy the cheapest, but I also don't spend lavishly. I pay to insure what would need to be replaced. I insure for liability up to a reasonable amount (95% probability limit), and I don't double insure. You will often find a lot of overlap that can save you money if you take a good look through ALL your policies.

Regards,

Rob McCall

McCall Piano Service, LLC
www.mccallpiano.com
Murrieta, CA
951-698-1875


On Nov 09, 2011, at 05:33 , Matthew Todd wrote:

> True.  Unless of course, someone rearends you.....and wouldn't ya know?  They don't have insurance!  Ooops, guess I just lost that money I thought I was saving over the years :-)
>  
> TODD PIANO WORKS 
> Matthew Todd, Piano Technician 
> (979) 248-9578
> http://www.toddpianoworks.com
> 
> From: Rob McCall <rob at mccallpiano.com>
> To: Matthew Todd <toddpianoworks at att.net>; pianotech at ptg.org
> Sent: Tuesday, November 8, 2011 11:37 PM
> Subject: Re: [pianotech] vehicle lease
> 
> Unless, of course, you paid an extra $450 that year to your insurer to have the better coverage over and above the minimum insurance...  :-)  With minimum coverage, on the years that you don't have a claim, you save the money to put towards future repairs, if needed.
> 
> Just a thought...
> 
> Regards,
> 
> Rob McCall
> 
> McCall Piano Service, LLC
> www.mccallpiano.com
> Murrieta, CA
> 951-698-1875
> 
> 
> On Nov 08, 2011, at 06:31 , Matthew Todd wrote:
> 
>> I've never had minimum insurance coverage and never plan to.  Comprehensive is a good thing to have.  Example:  I recently paid $50 (deductible) for a $500 windshield.
>>  
>> TODD PIANO WORKS 
>> Matthew Todd, Piano Technician 
>> (979) 248-9578
>> http://www.toddpianoworks.com/
>> 
> 
> 
> 

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