I had a near-miss yesterday on my morning commute up I95. Was getting off the highway, everyone in the exit lane was doing 60, I had about 3 or 4 car lengths to this Jeep Grand Cherokee in front of me. I looked over to dismiss an alert from Waze, maybe 1-2 seconds and then looked back out front and that Cherokee's bumper was coming up FAAAAST -- everyone in that exit lane was slamming on their brakes. I slam mine and in the couple seconds I thought about how there was no way to stop in time, this car is going to be totalled, I never upgraded my insurance after getting the engine work done, that engine is done for, and most of all .....ffffuuuuuuuuuuuuuck.....this road! And then it occurs to me to go for the shoulder. I swerved into the shoulder with like 2 feet of clearance and came to a dead stop about half a car length in front of that Cherokee. GODDAMN that would have been bad! Like hospital, medical bills, the Cherokee's medical bills (because I know I would've been at fault)... man I didn't need any coffee until about noon after my nerves wore off. EYES UP, EVERY SECOND, is all I have to say (or 'eyes in front', the phone as on suction cup mount to the windshield). Don't know what up with these roads this fall but traffic in my area has been horrendous. Maybe it's back to school, maybe it's offices forcing everyone to finally go back after CoVID. Dunno but I need to not be on that road that time of day anymore.
Oh yeah-- now I'm looking at quotes from Grundy and Hagerty to see what they can cover. I'd already talked to Hagerty and they said they'd only cover the car at the valuation I wanted if it was insured as a collector car, i.e. no driving it to work. Yeah...I can see their point. I'm half tempted to do it. No other restrictions on where and when you can drive it. I've got a Tacoma I can make 100% my daily (right now I split between the two).