On Tue, 3 Jun 2003, John Connolly wrote:

> while I do agree, this tactic doesn't do you a lot of good if some uninsured
> motorist totals your van a week after you get it (for example), since the
> emergency fund is empty.

That's, of course, the bet you're making with insurance.  You're betting
that the vehicle will be totalled before you've paid enough in premiums to
equal the amount you'll get back from the insurance company.  For a new
$20,000 car, this is a reasonably good bet.  For an '82 Westy with a Kelly
Blue Book value of $1900, it's not such a good one.

David Brodbeck, N8SRE
'82 Diesel Westfalia
'94 Honda Civic Si