This is a mustachian problem I just reminded myself about...
Back at the beginning of 2013 I sold my car and opted to use only my bike, no matter the weather. Over the next year and a half I biked everyday, even through the winter. Near the end of 2014 I chose to buy a car again to have as a backup plan. When I called my old insurance agent to sign up for car insurance again the conversation went like this...
Agent: So you said you had insurance through us back in 2013. Who insures you now?
Me: No one. I sold my car then and used just my bike, so I haven't had insurance. Now I'm buying a car so that's what I need insurance for. I figured I'd get it through you again.
Agent: Oh... So you've been driving without insurance since you last cancelled with us?
Me: No, I haven't been driving at all. I don't even own a car that I could insure. I've been getting around by bicycle the last year and a half.
Agent: Okay... so you don't have a car right now.
Agent: And that's why you don't have insurance.
Agent: So... you've been driving without insurance for a year and a half?
Me: NO! *facedesk*
I just couldn't get it through his head that I simply wasn't driving. Any car. Whatsoever. I eventually got through to him after about 10 minutes of pulling teeth, but it's really astounding how far outside the box his mind had to stretch just for such a straightforward concept.
Not nearly as face-palm inducing, but I went to pick up a rental car (without DH, who typically comes along) and had the following conversation with the rental guy:
Him: So you only want liability insurance.
Him: What happens if you wreck my car?
Me: (pause. realize he's talking about the rental car, and not his personal vehicle.) We will pay for it.
Him: So you have car insurance?
Me: No, we don't have car insurance. That's why we're getting the liability.
Him: So what if you get in a wreck and wreck my car?
Me: We will pay for it. Out of pocket.
Him: But you DO want liability?
Me: Yes. Paying for a car is nothing compared to possible medical expenses. We just want the liability.
Him: *clearly the wheels in his head are still turning as he hands me the paperwork* Sign here.
It felt like he was trying to man-splain and/or up-sell me, and playing on the fact that I was a woman alone (the implication being that I knew nothing about car insurance or could be scared into purchasing more insurance). He also could not process the idea that someone could pay for a car out of pocket if anything happened (also, we now realize we also get loss-damage insurance through our credit card).