Incertain Insurance

This morning, a telemarketer tried to sell me a car insurance. "For a mere 1%," she boasted. "The total-loss account will cover thefts and accidents that cause damages more than 75%."

Now that's interesting. How does one exactly calculate that? I mean, suppose your car rollovered. Would the insurance company cover that immediately, or would they try to nitpick it first?

"Okay, so the top's all smashed up, the engine splits up, but the chasis is still intact," says the representative. "Sorry. We estimate the damage's still about 72%. The bill's on you."

When you failed to answer, he pats you in the back. "Tell you what. Next time you had an accident, make sure the engine blow up first."