I try to live a debt-free life. I like to be in a position to give to the world. I don’t like to have to ask people for things. There’s nothing wrong with asking for help, but it’s nice if you don’t have to, and be in a position to help others instead.
I got accident insurance because I wanted help avoiding financial worry.
Older people in my life used to ask me how I planned to pay for things — unexpected events — having to navigate a financial burden on my own if something ever happened to me. I took those conversations as a warning sign. I live life preventatively. I’m very focused on my health — eating right, exercising. And it's always good to have protection.
One day, I was driving home from work, totally stopped at a light and a car hit me from behind at 45 miles per hour, sending me forward into another vehicle.
The woman who hit me took off from the scene. My car was totaled. I was in shock and a lot of pain. An ambulance took me to the ER to run tests. I ended up having injuries from the impact that were covered by my accident insurance. I had to go to physical therapy. It was about 12-16 weeks of rehab. I’m still working through it, but the pain isn’t as bad as it used to be.