car insurance question

[Gwennie!]

OK, here's the story. I was supposed to meet up with some friends. No one showed up but me. I drank anyway. Mistake. I blacked out driving home and crashed into a light pole, and took it out. I don't remember a thing, not even paying the tab. Apparantly the police found me sitting next to my car waiting for them. All I have is a black eye.

Why did I take collision insurance? My agent at that time told me that it was a package deal: 2 cars 2 drivers and collision was cheaper, like staying over saturday night. I think he was bullshitting me. He was eventually fired by the insurance company.

I'll be talking with my (current) insurance agent today. My theory is that they raise your rates when you have an accident, and raise them again if you make a claim.

Well, there it is. I know... I'm a complete asshole.