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Insurance is something we all need, but hate having to pay for. We have insurance for our cars, our homes, our health and our lives. Most of the time, you look at the big numbers, what the premium is and what the payouts would be.
No one ever reads the fine print.
But maybe you should. Because there just might be something tucked away in those pages of legalese that could be the difference between life and death.
"Total Loss" first appeared in the pages of Analog: Science Fiction and Fact in July of 2006 and was voted by the readers as one of the favorite short stories of the year. You can discover more by James Hosek at https://JamesHosek.com.
sf humor spec
Part Ten of the novel, The Dead Kids Club, by Rich Hosek.Make sure to subscribe to my email list at BedtimeStories.studio to be notified...
In Part One we visit the past for a thrilling encounter with a suspected serial killer. Then we return to the present to meet...
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