FRI
Something happened today.
I found out how expensive certainty can be. One of the more practical threads running underneath all these discoveries was insurance. Not glamorous. Nobody puts a photograph of an insurance policy on an inspirational poster.
But practical reality has an annoying habit of being where the important lessons live. I was delivering for DoorDash and Uber Eats. I was trying to understand exactly what coverage existed, what did not, what my personal insurer would allow, and what would happen if something went badly wrong.
The easy path would have been assumption. Everybody does this. Surely I am covered. The app says it has insurance. My car is insured. Good enough. Except uncertainty becomes very expensive when the collision has already happened. So I started asking. I called my insurer. I examined DoorDash coverage. I contacted support.
I applied for another quote. I arranged a broker conversation. No single step solved the whole problem. Each one gave me another piece of reality. That was becoming a familiar pattern. Do not demand the whole answer from the first clue. Collect. Compare.
Let the shape emerge. The insurance thread gave me a line that at first sounded almost boring: Do not leave yourself vulnerable to the unpredictable. But the more I lived with it, the more I liked it. You cannot eliminate unpredictability. That is the point.
The tire can fail. The weather can change. A platform can alter a rule. A customer can complain. A body can become ill. An expense can arrive with terrible timing and excellent punctuation. The question is not how to make reality predictable. The question is how much margin I can create so unpredictability does not immediately become catastrophe.
