Author's Note

AUTHOR'S NOTE

I WASN’T EVEN planning to write this.

But you know what happens when $200 insurance suddenly becomes $240, then $293, and then — out of nowhere — they slap on an extra $90 charge?

You write the damn book.

Let me explain.

A few months ago, my car insurance was manageable. Around 200 bucks a month.
Still a ripoff, sure — but I was surviving.

Then came the “adjustments.”

• $200 became $240.
• $240 became $293.
• Then one day — surprise — another $93 charge, randomly added mid-month.

Fast-forward to the day I finished writing this book.

No joke — hours after wrapping up,
I get the call.

“Hey, your claim has been denied.”

See, a few weeks prior, I got into a hit-and-run.
Some guy high off God-knows-what plowed into me at a red light.
Hit me, then sped off.

I got his face. His license plate. Everything.
Called the cops.
Nothing happened.

Filed a claim with insurance.
Waited.

And then they hit me with this:

“Your claim is denied because you were working at the time.”

Yeah.
I was delivering pizzas — making six dollars an hour — just trying to get by.
Because I was technically “working,” they say the policy doesn’t apply.

Not covered.
Not our problem.

I guess I should’ve planned better, right?
Maybe predicted the hit-and-run.
Maybe predicted they’d screw me after I paid them every month for years.

Maybe I should’ve just stayed home, not tried to survive, not tried to pay bills.

Maybe I should’ve known the whole system is a scam.

So yeah — that’s why this book exists.

Because I’m done pretending this is normal.
Done pretending this is “responsible.”
Done pretending these companies give a damn about anyone but their shareholders.

This isn’t coverage.
It’s corporate theft — and I’m not the only one who’s sick of it.

Now you know.
And maybe next time they try to sell you “peace of mind,”
you’ll read the fine print — or better yet, throw it back in their face.

—JJ