So I'm still waiting for my car to be fixed. I am always interested in what sort of excuse people give, real or imagined, so I was very impressed by this service manager's explanation: Parts are scarce because the warehouses (I am inventing this - I don't know where parts like ignition cylinders come from if it isn't some blacksmith in a tiny shop in Ingolstadt) are allowing their inventories to dwindle due to the economy.
I like the explanation because it sounds really good. Except, the parts that would fall into this category aren't exactly optional. The market doesn't really dry up for these items. I can't start my car because there's no place for the key to go *but* I don't have much money so I'll just skip it. I'm fairly sure people will continue to vandalize and crash into one another's cars despite the state of the union.
My real concern is with my insurance company. And this may be a gross simplification, but here's my take:
I've paid an estimated $8100 in car insurance since I've been driving so that the insurance company will go halfsies on a $950 bill. Thanks, dicks.
I am also confused by the point of a 'deductible'. Isn't the point of insurance that they'll pay for shit I can't pay for? So why do I still need to pay for part of it? Their whole reason for existing is making money, because most people pay more in premiums than they need in claims. But there's a chance that I'll run over a disabled infant holding the Holy Grail in a crosswalk. I am not going to be able to cover that, so in this instance: thanks, insurance.
Is the deductible to discourage me from destroying my car on a bi-weekly basis? Because I'm pretty sure my premium would go up if that was the case. I guess I'm glad other professions don't work on these principles. My doctor did most of my surgery, but will require me to just go ahead and suture my chest cavity myself. Oh hey mailman, thanks for bringing my mail. what's that? i need to go to the post office and pick up the other half? oh. um, ok?