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CHUCK'S CORNER

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EVERYTHING YOU WANTED TO KNOW ABOUT PICKUPS
By Chuck Wells

What 4-wheel-drive pickup is most likely to be stolen? According to the Highway Loss Data Institute, it is a Dodge Ram 3500. Thatís right. If you own one of these Rams, someone is out to steal it from you! The next two most likely to be stolen are the Ford F-350 and Ford F-250.

What 4WD truck is the best to be in so you are not injured during a car accident? The GMC Sierra 2500 followed by the Chevrolet Silverado. The worst are the small pickups like Ford Ranger, Mazda B, and Toyota Tacoma. It makes sense that the larger the truck, the fewer injuries passengers will sustain in an accident. That is true for cars too.

The 4WD GMC Sierra 2500 and the Chevrolet Silverado 2500 also scored the best when it comes to the least damage done to them at the time of the accident. The Ford F-250 followed with a pretty good record too.

A few other things about insurance on pickups. The more you pay for the truck, the higher the car insurance rates. Some people are surprised that their rates go up when they buy a new truck. The more the insurance company has to pay out if there is a claim, the more you will pay in premiums. If you use the truck for business, it will also cost you more as it is on the road more than someone just driving to and from work.

If you use the truck for deliveries, the truck should be on a commercial policy. Donít play games and try saving a couple of bucks by putting the truck on your personal auto policy. It will bite you in the butt later when there is an accident and that is not the time to have your insurance company tell you to get lost.

If you have a plow and charge even $1 to plow someone, it becomes a business and the insurance is different (more expensive). Once again, make sure you have the right insurance and if you cannot afford it, donít plow.

Customized your truck because itís your baby? Make sure your insurance company knows about the customization. They will usually charge a small additional premium and add a special endorsement onto your policy. If itís not there, you can probably kiss your customization costs good-bye when it comes to making a claim.

LAW OFFICE EMPLOYEE CHARGED WITH THEFT

A 63-year-old lady in Fayetteville, North Carolina was sentenced to 6 years in prison for embezzling $1.1 million from the law firm where she worked. The law firm had hired her after she was convicted of embezzling from another employer and the firm even defended her in that previous case.

LADY FIGHTS TO KEEP JOB FOR HUSBAND

San Francisco has a very liberal health-care plan for their employees. I know that may not be a surprise to you. Keep in mind that California pays education and medical expenses for illegal aliens and now allows illegals to get driverís licenses . They have even proposed giving free college tuition only to illegals because they are so poor. Anyway, Tammy Haygood, an elections supervisor, is fighting to keep her job. She was fired for cost overruns and other problems but she says she needs to keep her job so her medical insurance can continue to pay for her husbandís transsexual treatments. And they wonder why California is going broke.

LADY SUES FOR HER TWO FRONT TEETH

Kara Walton of Delaware sued the owner of a night club after she fell from a bathroom window and knocked her two front teeth out on the floor. She thought the night club was negligent in causing her injuries even though she was sneaking through the window in order to avoid paying the $3.50 cover charge. A jury awarded her $12,000 plus dental expenses.

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