I had a customer call. “Blair!” “Yeah? What’s the matter?” You could hear the urgency in her voice. “I’m in my house, I’m looking out the window.” “Okay, you’re in the house, you’re looking out the window. What’s wrong?” “A bear is eating my car!” “A bear is eating… a bear is eating your car?” They open the window, hold the phone out, you can hear rar, rar, clawing. I said “Pull your arm back in the window! Shut the window! What are you, crazy? There’s a bear eating your car. Get off the phone with me. You have the coverage. Your car is covered; your family’s safety is the most important thing.” Collision is when you do the hitting. Comprehensive is when something hits you. Well, I hit a falling object driving down the highway. Isn’t that collision? No, it’s not. It’s comprehensive. Broken windshield. Hitting the deer. The tree then falls. Now, was it a dead tree or was it a live tree? So this is where bring in the experts. You’re driving to work one day, you get into a really bad car accident. They sue you. You have the state minimum coverage. Every state is different. Typically $25,000, but you have a lawsuit for a million dollars. What happens? For an extra $35 per six months, you can get $250,000 per person. On top of that, an extra $15 per month, $15 bucks, now you have an umbrella policy and it covers you for $1.5 million. People are more savvy than you think they are, but you still have to remind them once a year, twice a year, or whenever, “Did you put that new roof on yet? Well, if you did, great. Send me the bill of sale and we’ll make sure we get that discount on your policy.” Insurance seems daunting. It’s like, “Ah, ah, I don’t want to deal with it.” I’ve actually had customers who said “Oh, we had a fire, but I didn’t turn it in because I didn’t think it would be covered.” That’s what you pay me for, you know? That’s my job. I can’t prevent it, but I can help you through it.