I was recently in a car accident, arguably one of life's most awful experiences. In this instance, I was pretty lucky, walking away without a scratch. The car wasn't quite as lucky.

My first call was to my insurance company, Travelers. If ever there ever was a low-interest category, for me this was it. My insurance broker had recommended who we use, and the only time I gave it much thought was when it was time to renegotiate my premiums. ...