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It’s been a long time since I had to make an insurance claim. I know, I write about the topic all of the time, but it hasn’t been since 1985 that I had any firsthand experience with adjusters. Well that all changed a few weeks ago.

I was driving home from the office and this big semi approached, with smoke billowing out of his vertical stack. We were on a single-lane highway and all of the sudden, BAM! Something hit the glass in front of me and at first I thought it was a shot from a BB gun. But no, it was an exhausted stone from the vertical stack that did a number on my windshield.

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