I have done a lot of stupid things in my life and was very lucky that it never got me in trouble. There were a few times when I got behind the wheel when maybe I shouldn’t have but, like I said, I got lucky. As I got older, I looked back at some of the things I’d done with the benefit of age and hindsight.

I still live in an area where there are a lot of bars and a lot of kids out having fun on the weekends. Where there is alcohol, there’s probably going to be some poor decision making going on, especially in a city with poor public transportation options.

I decided to take some precautions to protect myself. First, I stopped parking my car on the street. My neighbor had his car dinged a few times. Hit and runs, never knew who did it. For a while, I just assumed that was a hazard of living in the city but I decided to change my thinking. So, I started parking in my driveway, even though it’s really steep and not so easy to back out of.

The next thing I did was upgrade my insurance. The key here is I spent some time looking into who has the cheapest auto insurance because then I knew I’d get more for my money. I ended up with a great full coverage auto insurance policy. Which I would end up needed sooner than I imagined.

I have no idea how it happened. Someone had a bit too much to drink and needed to turn around, I suppose, but I woke up one morning to the rear end of my car completely smashed. Never happened to me when I parked on the street but, of course, as soon as I move to my driveway someone hits me. Just my luck.

I was never able to find the person that did it which isn’t surprising in the least. I mean, who’s going to get out of the car and leave their insurance information when they know it’s their fault and the shouldn’t have been driving anyway? My neighbor didn’t hear anything, either, and his car escaped any damage that night.

Like I said, I got lucky all those years. I’ve definitely done some pretty stupid things. I can only hope that the person who hit me made it home safely. And maybe this scared them enough to be a little more responsible.

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