{"id":2580,"date":"2011-06-29T08:00:31","date_gmt":"2011-06-29T12:00:31","guid":{"rendered":"http:\/\/www.decisionsciencenews.com\/?p=2580"},"modified":"2011-07-01T17:27:20","modified_gmt":"2011-07-01T21:27:20","slug":"should-you-buy-car-insurance","status":"publish","type":"post","link":"https:\/\/www.decisionsciencenews.com\/?p=2580","title":{"rendered":"Should you buy collision insurance?"},"content":{"rendered":"<p>DSN RUMINATES ABOUT INSURANCE WITH PETER MCGRAW<\/p>\n<p style=\"text-align: center;\"><a href=\"http:\/\/www.decisionsciencenews.com\/wp-content\/uploads\/2011\/06\/dnt.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2581\" title=\"dnt\" src=\"http:\/\/www.decisionsciencenews.com\/wp-content\/uploads\/2011\/06\/dnt.png\" alt=\"\" width=\"482\" height=\"321\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><em>This week, Decision Science News&#8217; Dan Goldstein travels to Boulder, and teams up with <a href=\"http:\/\/blog.petermcgraw.org\/\">Peter McGraw<\/a> for a joint post (over grilled steak). \u2014 Enjoy<\/em><\/p>\n<p>Most people are happy to have a few types of insurance coverage, typically home, health, and life insurance. However, you can insure most anything. A few of the more peculiar insurance products that recently caught our eye (from <a href=\"http:\/\/www.ampminsure.org\/all.html\" target=\"_blank\">here <\/a>and <a href=\"http:\/\/www.insurance1.com\/weird-things-insured\" target=\"_blank\">here<\/a>):<\/p>\n<p>&#8211; Backpacking insurance. In case you get sick or have your backpacking trip canceled.<\/p>\n<p>&#8211; Kidnap and ransom insurance. In case you get kidnapped and held for ransom (duh).<\/p>\n<p>&#8211; Your hands. If you are a yo-yo champion.<\/p>\n<p>&#8211; Your derriere. If you are Jennifer Lopez.<\/p>\n<p>And Pete&#8217;s favorite: Legal insurance, which was being advertised in the local college student magazine:<\/p>\n<blockquote><p>Being a Curvball member means you can speak to a criminal  defense lawyer immediately. Get the information and advice you need.  Don&#8217;t wait to be intimidated by a law enforcement officer with an  agenda, or an aggressor looking for someone to blame. You can have a  lawyer on the phone in 60 seconds.<\/p><\/blockquote>\n<p><a href=\"http:\/\/blog.petermcgraw.org\/wp-content\/uploads\/2010\/11\/You-ask-w-answer-picture-Copy.jpg\"><br \/>\n<\/a>People like us (the type who would read this blog) probably have health, and if they have a home, homeowners insurance. At the same time, people like us laugh at the idea of buying extended warranties from the big box electronics stores. The question we pose: Where do we draw the line?<\/p>\n<p>Take car insurance, for example. Pete has a car and has no collision insurance on it (he, of course, has liability insurance for it), whereas Dan, when he had a car, bought collision insurance because that what his family always did.<\/p>\n<p>Who is right, and if you have a car, what do you do?<\/p>\n<p><span style=\"font-size: xx-small;\">Photo credit: http:\/\/www.flickr.com\/photos\/xrrr\/4432159611\/<\/span><\/p>\n<p>ADDENDUM:<br \/>\nThis post has sparked a <a href=\"http:\/\/messymatters.com\/2011\/06\/30\/insurance\/\">huge mega-rant on messymatters.com<\/a>. Check it out!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>DSN RUMINATES ABOUT INSURANCE WITH PETER MCGRAW &nbsp; This week, Decision Science News&#8217; Dan Goldstein travels to Boulder, and teams up with Peter McGraw for a joint post (over grilled steak). \u2014 Enjoy Most people are happy to have a few types of insurance coverage, typically home, health, and life insurance. However, you can insure [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[7,16],"tags":[],"class_list":["post-2580","post","type-post","status-publish","format-standard","hentry","category-gossip","category-ideas"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p4LKj-FC","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.decisionsciencenews.com\/index.php?rest_route=\/wp\/v2\/posts\/2580","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.decisionsciencenews.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.decisionsciencenews.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.decisionsciencenews.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.decisionsciencenews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2580"}],"version-history":[{"count":12,"href":"https:\/\/www.decisionsciencenews.com\/index.php?rest_route=\/wp\/v2\/posts\/2580\/revisions"}],"predecessor-version":[{"id":2586,"href":"https:\/\/www.decisionsciencenews.com\/index.php?rest_route=\/wp\/v2\/posts\/2580\/revisions\/2586"}],"wp:attachment":[{"href":"https:\/\/www.decisionsciencenews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2580"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.decisionsciencenews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2580"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.decisionsciencenews.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2580"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}