A friendly reminder...
One ought to review their insurance policies once a year!
I was on my way home for Christmas this year and came across some really bad weather. I pulled over to put chains on, and wouldn't you know, snow is harder to stop on than I thought.
"Somebody" (and I won't say who, but I think you can figure it out) rearended the parked car in front of him. Imagine for a second, the front end of a sedan (wish I could say "Ferrari", but "sedan" will have to do for the next...well forever) after it's been parked under an SUV. Guess who doesn't have collision coverage on his policy? Fortunately, it's been that way for about 10 years and I've been a very careful driver, so I probably broke even with lower premiums. Regardless, paying out of pocket hurts so I'll be reviewing my policies with more frequency.
Tip of the day: check your insurance policy coverage! :)