The Carr Report: Understanding car insurance

Female motorist involved in car accident calling insurance company. Adobe Stock Photo Life comes at you fast! On the week of this writing, I was involved in a car accident.& It appeared to be a perfectly normal day.& I put in a productive work day.& After work I went to the gym.& On my way home from the gym, I got within one block away from my house and it happened—CRASH!& I was driving toward my house when the car in front of me abruptly stopped and made a left hand turn without using his turning signal.& This forced me to come to an abrupt stop as I navigated my car to avoid hitting this car.& I succeeded.& Unfortunately, the truck’s reaction time behind me was not as swift as mine. He crashed into the back of my truck causing $6,200 in damages.& The person who caused the accident by not using their turn signal and coming to an abrupt stop didn’t know there was an accident.& I imagine him at home drinking coffee with his wife telling her how great his day was.& The good news is that there were no injuries.& What’s instructive here is that over six...