And another thing, Liberty Mutual lady

I have a serious bone to pick with the lady in the Liberty Mutual Insurance commercial. You know her. She’s the one with the snarky tone that laments that other insurance companies will only reimburse you for 75 percent of the value of your damaged car. “What are you supposed to do: Drive three-quarters of a car?” she says, a voice dripping with acid. In contrast, Liberty Mutual will pay you the full value of your car. “I guess they don’t want you driving around on three wheels,” she says, again harnessing the power of snark like the Hoover Dam harnessing the power of water for electricity. Well, she’s either a stone-cold liar or willfully ignorant of how insurance reimbursement works. Insurance companies will not actually give you a car with three wheels after your old car is totaled. That would be silly because if you tried to drive a non-tricycle vehicle with one wheel, your car would immediately tip over onto one corner, and then you’d never get anywhere. What an insurer will do, madam, is write you a check for a portion of the value of the old car, an amount that may be 75 percent. You can either take the money, say $15,000, and either buy a car that costs $15,000 with no cost to you, or you can buy a $20,000 car and finance the remaining $5,000 that the insurance company did not pay. It may not be fair, but you know what? Neither is life sometimes. Neither is life. But what I cannot countenance is a cavalier attitude toward the serious issue of auto insurance claims. And neither should you, Liberty Mutual Lady. Adjust your attitude.