In 2006, I purchased my first car from a dealer, a 2005 Pontiac Grand Am. I love this car. It isn’t the fanciest model, but it is mine. In 2011, I proudly made the last payment. It really was mine now. I know how to drive it in the snow. I know how to back into tight parking spots. I know how to operate my car. It is a good feeling. I firmly believe in the bond people have to their vehicles. It occurred to me once it was paid in full that I could knock my car insurance down to the lowest state required minimum. Not only would I have the money I paid to the bank for the car, I could also lower my insurance payments! Genius idea, I know. Thankfully, I chose not to do that.
Coming home late one night, about five miles from my house, a full grown deer came hurdling toward the vehicle. If my fiancé hadn’t yelled “BABE” I wouldn’t have seen it at all. Hitting an animal is always a bit traumatic, but to hit an animal that size was unreal. The loud bang, the shattered windshield, it really shook the both of us. Luckily, I was able to stay in control of the vehicle. I didn’t swerve and I immediately hit the brakes. After such an impact I didn’t know if the car was drivable or if the deer made it. Fortunately I got my car home and the deer was nowhere to be found. I like to think he made it.
The next day I took photos and dropped the car at the local body shop. I filed my claim later that morning, and received a call from my insurance company that afternoon. Because this was my first claim, I was rather needy. I realized quickly I didn’t know exactly what my coverage entailed. I knew I had full coverage, but what did that really mean? Thankfully, my independent agent at Cheney Insurance, Julia Small, walked me through the process step by step. I had coverage to get a rental, my claim fell under comprehensive, and my deductable is less than I thought. Wow! We purchase this stuff called insurance and a lot of the time we don’t really know what it means. That is why not only am happy I didn’t change a thing to my policy, but I get a real person who checks in on me and the process. She alleviated my concerns and made me feel special. With over 3,000 deer crashes reported each in year in Maine, I know my claim was not the only one to come in that day, but I felt like it was being handled as though it was.