So two months ago, some Firestone-tire-sportin' Explorer-drivin' moron rear-ended my economical little Ford Escort and pulverized her trunk into the back seat. "Splat!," went the Escort, into a salvage yard in Bastrop populated by rusting car-hulks and marauding goats. I was not driving, and we were, obviously, not at fault. Behind us, one more SUV and a truck all following too closely managed to complete a grand total of a four-car collision, and as far as I'm concerned that was Darwinism in action. One small war waged with Allstate Insurance (carrier of the offending party) later, I had a bad backache, a handful of Vicodin and Soma, and sufficient cash in hand to buy a newer, better vehicle.
I chose a 1995 Camaro Z-28 in a two-tone blue and green colour called "Mystic Teal," (I think they ought to have named it Tripping Teal, myself--there's nothing "mystic" about it) with leather seats, a CD player, and best of all, the LT1 Corvette engine. Coming from 4 cylinders, the 275 horses under the hood of the Z are more fun than a girl should have on the highway. Call me Miss Goodwrench, but I love F-bodies (Trans Ams and Camaros) and have always missed the '85 Camaro I drove in high school, so I was thrilled to be experiencing some "driving excitement" again. At the very least, it's nice to be able to merge.
Enter Prudential Insurance (rotten fruit, pigshit, and other decomposing sticky substances welcome to be thrown here). After nine years of insurance coverage with these fools--in which I have owned three previous vehicles *including a Camaro* and in which I have never had an accident, my fault or otherwise--I get a letter from them which informs me that they cannot issue me an insurance policy due to the "recent accident" and the fact that my new car is at a high risk for theft. Worse, the Z-28 is a "non-standard performance vehicle. Prudential insures only standard performance passenger vehicles." I guess this means only anemic mini-vans and station wagons need apply. Chevrolet makes an awful lot of "non-standard performance vehicles"--I wonder who the hell insures us pesky theft-prone drag racers?
I am 25 years old. I am single and female. I haven't had a speeding ticket for three years. I have a college degree, rent a home, and have a stable job as a software lackey. Insurance-ly speaking, what isn't there about me to like? I realize that this is a free country and that the insurance industry is allowed to run rampant and suck up as much money as it likes, but I'm really feeling the heel of the Man's boot.