On March 2, 2012, a car driving down San Francisco’s famous Lombard Street swerved to avoid the car in front of him, who seemingly stopped to take a photo. Instead, he hit a fire hydrant flooding the street and some of the homes along the street.

Let’s see what we can learn from this:

I bet that ruined his vacation.

There’s a lot going on there, here a little of what we can learn from it —

  • It’s important to make sure you have adequate insurance when you rent a car, whether by having the coverage on your personal auto policy or by buying the insurance from the rental company.
  • Having the New York State minimum limit for property damage for auto insurance may not be enough.  The NYS minimum limit is $10,000.  That will likely not be enough to cover this accident.  Let’s all hope he had higher limits than that.  Let’s hope you do, too.
  • You can have flood damage even if you live way up on a hill.  This damage was flood.  The homeowners policy would most likely not cover it.  Luckily the car stuck around, so the homeowner will likely be reimbursed for his damages, but had that car fled the scene, the homeowner would have been out of luck without flood insurance.  You don’t have to live in a valley by the water to get flooded.
  • Never stop in the road to take photos!!!