Thursday, February 19, 2009
"My father's company has gone out of business we can no longer afford to keep storage for the bull"
You think I don't know what you're thinking? Oh, I know what you're thinking. You're thinking "no way, dude, I want that thing bad! I'd go get it right now if it were within driving distance!"
Stop fooling yourself. No one has room for a mechanical bull in the house. And no one can afford the insurance it would cost if you were to let anyone actually get on it.
You, at insurance office: "Hi, I need to update my homeowner's insurance."
Insurance Agent: "Great, let me bring up my InstaQuote software, and we can run the numbers. What do you need an amendment to cover?"
You: "You won't believe it! I got a mechanical bull!"
Ins. Agent: "You mean, like an Urban Cowboy, ride-it-in-the-bar, faux rodeo mechanical bull?"
You: "Oh yeah! Awesome, huh?"
IA: "Uhhh . . . yeeah, neato. You may not like this, though, we call things like that 'elective dangers.' They can be kind of pricey."
You: "Whatever it takes, man. I've got some to spare. It's a mechanical bull."
Insurance dude: "OK, then. The base rate is $250 a month. Does it have any particular dangerous qualities?"
You: "Well, it's not made of razor blades, if that's what you mean [laughs]. It does have horns, though. Wouldn't be a bull without horns."
IA: "Horns? That's what we call an 'add-on risk'. With the horns, that's $400. Per month."
You: "Wow, that's kind of steep. I guess I'll have to charge. [smiles]"
IA: "Wait, you're going to have guests on the thing? That's another $250 on top."
You: "I was kidding about charging."
IA: "But guests?"
You: "Well it wouldn't be fun alone, so . . . yeah. It'll rock at parties."
IA: "I think you want to avoid parties."
You: "You've gotta be kidding, that's what it's for."
IA: "Can't have a party without drinking, right?"
You, hesitant, quietly: "suuure."
IA: "We're at $1000 a month now"
No, no mechanical bull for you.