Remember the perfect storm last week? When it was far below zero and our snowbanks were ice covered and I pulled into the parking lot at the Y and bumped a snowbank, shattering my front bumper? Try explaining that to an insurance company called "California Casualty" based in Phoenix, Arizona!
"So, m'am, you had an accident."
"No, I was parking the car."
"So you slid into a snowbank."
"No, I was barely moving, parking the car."
"Did you hit another driver?"
"No, I was parking the car. I bumped the snowbank. It's rock solid."
"So what did you hit?"
"Darla, how cold is it outside where you are right now?"
"Sixty-five degrees."
And that it explains it all, right, fellow Minnesotans!?! No clue, no concept, but covered!
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