Alright, I am a supporter of a public option for government sponsored health insurance. This may make me a “bad guy” to the conservatives of the country but I truly don’t understand what is wrong with wanting an option to have government sponsored health insurance that I PAY for.

Currently, I can’t afford car insurance, my mortgage payment, my student loan payments, AND health insurance so something has to go. Sure, I had a bout of bad luck when I had to have my gallbladder removed a few months ago, but other than that I have not had any troubles with my health.

I would really like to have some form of health insurance and I honestly don’t think that those who have insurance through their employer really understand how much it can cost for the rest of us. Even without a preexisting condition, the cost per month can be $150 with a $5,000 – $10,000 deductible. That is outrageous considering car insurance costs me $80 per month for FULL coverage with a $500 deductible AND I’ve had a car accident that was deemed my fault in the last 3 years.

I wish I did not have to pay that much for health insurance. Over the course of a year, if I did not have to pay over $1,200 for health related costs then I would be ahead over paying for health insurance (if I were paying $100 per month for insurance). Then again, if something disastrous were to happen, then I would be up “that” creek without a paddle (if you know what I mean). I hate the fact that I rely on hospital charity for serious conditions, but paying for health insurance simply is not worth it in my opinion. And in the opinion of the charity workers of the hospital, I do not make enough money to have to pay for health care.

I just do not understand why people argue so much about something as simple as a universal health care OPTION (this is not even something that is forced on you, it’s just an option). I wish, more than anything, that I could afford health care for not only myself, but my husband also. I feel as though we pay too much for health care we never use. I get dirty looks when I visit the doctor and tell them I don’t have health insurance, and even though I can pay for my visit, they still give me the look of someone who has stolen something.

This has gotten absolutely ridiculous. I have nurse friends who agree with me. I wish that I could encourage everyone to support some kind of health care for everyone, but I don’t think that will happen because some will “stick to their guns”. I just wish that those people could see the problem from my point of view or have the same issues I have. Then, perhaps, they would be willing to change their minds.

Not everyone can have a perfect, clean driving record. For those who don’t have clean records and/ or are considered high risk drivers, there are options available for them.

You have to remember, even if car insurance is expensive, if you are going to be behind the wheel of a car, car insurance is the law. There are some companies that specialize in auto insurance for high risk drivers.

Drivers who have multiple tickets, have had accidents that were considered their fault, or young and/or inexperienced drivers are considered high risk drivers. If you fall into one of these categories, then it is important that you shop around for car insurance. Quotes can vary from company to company. Risky factors for young insureds leads to higher premiums and when you’re working for minimum wage like teens do, then it is important to make sure that you’re getting the most for your money. I remember when I was first driving and it cost almost $100 per month for liability and uninsured motorist coverage on my 2000 Cavalier.

Comparison shopping for car insurance isn’t only for teenagers, anyone can find affordable coverage for high-risk motorists if they know where to look or if they can do a search around the internet. There are so many companies out there that tend to focus on insuring people with squeaky clean records that sometimes those with a blemished record get left out.

Once when I tried to get an auto insurance quote online when I was younger, I had a really hard time finding a company that would offer insurance to me, let alone give me a real quote. I would always have to call the company during their business hours, which I’ve always found to be a bit inconvenient. Finding auto insurance doesn’t have to be as much of a hassle for risky drivers anymore.

Alright, so speaking from a quite personal experience, I was wondering when all you thought that it would be okay to file an insurance claim. The other day, Chris and I were at the grocery store when we realized that the car next to ours had hit the side hard enough to leave a dent in the side of the car. I, of course, was quite angry (because this is my car ). We filed a police report and I called State Farm about the dent and they said that if I took it to a repair shop it would be $200 due to uninsured motorists and they would cover the rest.

That’s all fine, but I know who damaged my car and I would really like for them to pay the deductible, not me! When it comes to parking lot accidents it seems like it is so easy to get away with damaging someone else’s car. In this case, my car was dented and the other car (no matter if I got their license plate number or not) got away with it without having to pay the uninsured motorist’s deductible.

I just hate that some thug-wannabes were able to scam my insurance company like that. I have told my insurance company about the car that I am SURE did this and they said that because there wasn’t enough “proof” they couldn’t do anything about it. That is complete and utter BS!!

I will promise something to the people who dented my car; If I EVER see your car again, I will do something to your car to where you will KNOW I spotted it and noticed it hanging out in a parking lot where I already was. Revenge is a … well you know.