Substandard Insurance

You don't wanna be below standard. Or..."sub" it.

Like...you just got your driver's license at age 37 after 56 attempts. Odds are really good you're going to have at least one accident. The minimum insurance you must have in California has a $500 deductible and a minimum ceiling of, say, $5,000. So when you run over that little old lady, she has a financial motivation to sue.

If you had a $2,000 deductible and a ceiling of only $3,000, well...that's substandard. Somehow, they still granted you your license (maybe you tricked them with a solemn heart-crossing promise that you'd get it). But now you ran over Ms. Burkle, and since your insurance was substandard, all kinds of bad things happen to you. Mainly, that you will dip deep into your own pockets to pay her $14,882 of medical bills.

There was a standard. Your insurance was below it. So you owe.