In British slang an anorak ( /ˈænəræk/) is a person who has a very strong interest, perhaps obsessive, in niche subjects….hmmmm and I thought an Anorak was just a Hack…..well, as for me, I am probably a hack more than an Anorak…because I have few strong interests and my only obsession is with my weight and my hair when it stands straight up in the morning after I get out of bed.(all ten of them)

I was doing a little reading on Blogs….there seems to be this view that there are so many of my ilk there are fewer readers than bloggists…thereby making the effort one of pure vanity for the writer…..

Bang….face to face with another less than favourable personality trait….I’m vain…not in the morning though..when I first look at myself….and I won’t even take my shirt off in the presence of the Mrs….so my vanity must be intellectual….but wait…i’m not that smart…..

I can’t wait for 1/1…one of my resolutions is to cease with the public display of introspective analysis….

I gotta start listening to the Dog Whisperer…..”PSSHHHHHHHHHHHttt”…Live in the moment!

At this moment, the birds have almost emptied the bird feeder and I have to fill it up.

One of the primary objectives of this blog is to help educate readers on the world of insurance..how a business functions…how everyone plays a part and how as insurance people we relate to the marketplace and insurance carriers in general..its a tall task to be relevant….and relevance is surely not a strength of a hack…but I will make the effort..

Subject…Cancelling (or lapsing) your car insurance for convenience sake….DON’T DO IT…. example… a client has an accident and totals his or her car…the quest for a replacement car begins..but the client feels they shouldn’t be paying for insurance on a car that doesn’t exist…so they request a cancellation…it takes 60 days to find another car…..they call the agent…and the first question…”have you maintained insurance consistently?”….The obvious answer now disqualifies the client for standard premiums……The issue becomes even more difficult because now you have an accident on your record…so in addition to not being eligible for those great preferred rates you had…. your surcharged for the accident……the exception to all of this of course, is if you have two cars….but if you only have one…you’re very likely going to be out of luck…..

It gets worse if you have a loan on the old car….the bank requires you to carry insurance so that the loan gets paid off…so lets assume the car isn’t totalled..but will be in the shop for 4 weeks…because the parts you need aren’t available…the Bank will “force place” coverage on the vehicle…charge YOU the premiums which are excessively high…and the “forced placed” coverage will only apply to the banks interest..not yours….don’t let your insurance lapse for any reason folks…..you have to re-qualify…get a ticket…have an accident…don’t pay a bill on time…..it’ll all affect how much you have to pay…

I gotta go fill the bird feeder….