Know your Rights and Responsibilities

Cheezy’s Showcase: Part One

Knowing Your Rights and Responsibilities as a ConsumerAfter a long day at the office, Cheezy decided to stop by the supermarket before heading home. Just as he was about to leave, his co-worker Charles barged in, urging him to wait so they could leave together. Cheezy, frustrated but polite, agreed and waited — knowing Charles was often late. Once on the road, things escalated quickly.

Charles drove recklessly, weaving through traffic while jotting down a to-do list — completely ignoring Cheezy’s courtesy and even cutting him off. Pressed for time and fed up, Cheezy overtook Charles. Unfortunately, both were caught in a collision involving a taxi in the wrong lane. The police arrived, and after investigating, they decided each party should bear their own liability.
What Happened Next?
  • Cheezy filed a claim against the taxi driver, who wasn’t the car’s owner.
  • The vehicle owner accepted liability, and Cheezy’s car was repaired.
  • Cheezy paid the insurance excess and was later refunded by the vehicle owner.
  • Charles, without insurance support and low on funds, took his damaged Benz to a friend’s backyard workshop — learning a hard lesson about responsibility and preparedness.
Lessons from Cheezy’s Experience
  • Always insure your assets — especially vehicles — to protect against accidents, theft, or damage.
  • Excess is the portion of the repair cost you must pay before your insurer covers the rest.
  • Subrogation allows your insurer to recover costs from the third party responsible for the damage.
Final Takeaway
Being a well-informed consumer means:
  • Knowing what you're covered for
  • Understanding how your policy works
  • Being prepared to act when things go wrong
Cheezy’s experience shows that being informed makes all the difference when life takes an unexpected turn.
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