In NC, there is an insurance board that sets prices that the insurance companies in the state have to follow. But, unlike you *might* expect from a state insurance board, they don’t set maximum rates, they set *minimum* rates. Not only that, but it’s basically run by people from the insurance companies themselves. What a total crock of s**t.

So, I learned a lesson with my accident. If you are involved in a wreck and the other person is at fault, their liability insurance covers your vehicle and all medical bills. If you are in a wreck and it’s your fault, then your vehicle is covered by collision coverage, but you have to have a separate medical coverage to get anything for your medical bills. If you are in an accident and no one is at fault, then it is covered under the comprehensive coverage, but again that’s only your vehicle and nothing for your medical bills unless you have the separate medical coverage. Well, I hit a deer. That’s covered under comprehensive. Fine. But I had no idea I had to have separate medical coverage so they aren’t paying a penny towards all that. So far, I’m sure the medical bills have already hit $6,000+ and it’s all going against my health insurance at Red Hat. Red Hat is self insured, United Healthcare is just the plan administrator, so that means all my medical bills are going to be coming out of Red Hat’s bottom line next quarter. That sucks. I feel really bad about doing that to Red Hat, but I couldn’t pay off all those medical bills right now if I had to, so that’s the way it’s going to be.