The Insurance Settlement by Biker Contents: Mf, MMMf, non-cons, spanking, humiliation Damn, am I ever going to be in trouble!" Jenny thought to herself as she put away her insurance card and headed off to the mall. "Steve is going to kill me!" Jenny had been talking to her girlfriend on her cellphone while heading toward the mall. But, she didn't see the car in front of her brake until it was too late. She tried to swerve out of the way, but wasn't able to avoid clipping the car's bumper with her's. Although the damage was not severe, it still warranted being reported to the insurance company in order to be fixed. The older man and his son took it very well; they just exchanged insurance information and they drove off. Jenny was glad about that! But, she still knew that Steve would be pissed and she was sure to be punished for it. It wasn't that bad, so maybe he would take it easy on her. Jenny tried to shrug off the accident as she strolled from store to store. "Hmm," she thought, "maybe I'll buy something really sexy to wear when I tell Steve about the accident! Maybe that will take his mind of it!" Settling on a very sheer black baby doll top and matching crotchless panties, she began her long journey home. As she drove, she developed a plan on just how she would tell Steve about the car. Yes, she had a plan and was beginning to feel pretty good about it. After parking the car, she grabbed her bags and headed in the house. She knew Steve was home as his car was in the drive. "Hey, Steve, I'm back." yelled Jenny as she began hurrying up the stairs; anxious to show off her new sexy clothes. "Jenny? I'm in the den. Come here, please." Steve replied. "I'll be there in a minute. I need to do something first!" Jenny yelled back. "No, Jenny! Come here, right this minute!" Steve shouted back angrily. "Oh, damn!" thought Jenny as she hurried back down the stairs and into the den. "What is it, dear?" "Is there something you want to tell me, Jenny?" Steve inquired staring intently into her eyes. "Uh, no, uh, not just yet anyway!" she said quietly. "Oh, and just when did you want to tell me?" Steve mused. "Um, well, after I put on this." Jenny said as she held out the two tiny pieces of material. Steve reached out and inspected the garmets. Holding them up to her torso, he said, "Hmm, yes, very nice. Yes, I believe I would like to see you in these! But, first things first. I think you'd better start talking right now!" "Oh, Steve, I'm so sorry. I didn't mean to, it was just an unfortunate accident; one of those things that couldn't have been prevented!" she said as tears began to form in her eyes. "And, just what was this unfortunate accident?" Steve retorted still with the piercing stare. "I had an accident with the car." Jenny said almost whispering. "What? Speak up, Jenny! What about the car?" "I accidently hit another car on the highway. I couldn't stop in time! I tried to turn out of the way, but wasn't able to." Jenny replied not wanting to look Steve in the eye. "And, just why couldn't you stop in time, Jenny? Was it because you were talking on your cellphone and not paying attention to the road?" Steve demanded. "Yes." Jenny said as she began to sob. "You know what will happen with our insurance, don't you, Jenny? This is the third time in the past year that you've had an unfortunate accident. The insurance man told us that if we filed one more claim this year, they might have to cancel our policy! Is that what you want to happen, Jenny? Do you know what it will cost to be able to get insurance somewhere else after they drop us?" Steve said evenly yet with enough emphasis to show his displeasure. "Well, young lady?" "I'm so sorry, Steve. I'll save my money and pay for both cars myself. We won't have to report it, okay?" Jenny pleaded in between sobs. "Well, fortunately for you, Mr. Jenkins was a very reasonable man about the whole thing." Steve said. Jenny just stared at Steve wide-eyed not knowing what to say. "Yes, he called here about an hour ago and told me all about the accident. He also said the damage wasn't that bad and that he wouldn't be filing an insurance claim." he said. "Oh, thank God!" Jenny cried as she sighed in relief. "Oh, no, Jenny. Don't think you're getting off that easy! No, you still have your punishment coming. So, why don't you go back up stairs and put on your new outfit. Then, come back down here, okay?" Steve smiled. "Yes, sir! But, it will hurt if I wear this. Can't you just spank me now?" Jenny cried. "No, Jenny, this is one spanking that needs to hurt. After all, you could have been killed or badly injured because of your neglect. No, you need to remember this one." Not saying a word, Jenny turned to head out of the room. Just as she reached the foot of the stairs, she heard Steve yell "Oh, and Jenny, bring my black belt with you when you come back!" Jenny's heart sunk when she heard those words. Steve always saved the belt for those really bad times. She knew this was going to be one of them, too! After she had stripped off her clothes, she looked herself over in the mirror. As she turned and gazed upon her fine ass, she knew that it would look like this for long; not after Steve got through with it! Quickly putting on her new outfit, she rushed into the closet to fetch the belt. It was a large one at almost three inches wide and a big gold buckle on one it. With the belt in hand, Jenny hurried back down the stairs and into the den. With her head down, she slowly approached the sitting Steve and handed him his belt. "Mmmm, yes, I do like that outfit Jenny!" Steve said as he scanned her near nakedness. Reaching out, he pinched her nipple between his thumb and finger and began rolling it back and forth. Jenny kept her eyes closed but let out a small moan as the twisting of her nipple began to stir her loins. Turning her slightly, Steve moved his hand down between her legs when her toyed with her exposed pussy lips in the crotchless panties. Jenny instinctively spread her legs even further allowing his fingers better access to her moist privates. She was just beginning to get into the movement of his fingers when he abruptly stoipped and pulled her down over his knee. "Okay, Jenny, time to begin. As you've already suspected, this will be a painful punishment. After all, this is something you need to remember for a long time." Steve said as he grasped the sheer panties and dragged them down to her knees Smack! Smack! Smack! Smack! Smack! Smack! "Ow!" howled Jenny as Steve brought his hand down full force on her bare butt. "Oh, shit, that hurts!" Ignoring her screams, Steve continued with the spanking alternating cheeks with every spank. Smack! Smack! Smack! Smack! Smack! Smack! "Oh, please stop! It hurts so bad!" Jenny screamed as she tried to wriggle out of his reach. But, it was no use. Steve was much stronger than her and had her pinned down pretty well with her right arm held tightly against her back. Smack! Smack! Smack! Smack! Smack! Smack! Jenny's ass felt like it was on fire! Each time his strong hand landed on her, she could feel the pain shoot out and up through her body. Smack! Smack! Smack! Smack! Smack! Smack! "Ouch! Oh, STOP! I promise I won't do it again!" Jenny shrieked, but to no avail. Smack! Smack! Smack! Smack! Smack! Smack! Sobbing loudly know, Jenny had stopped kicking and resigned herself to the spanking at hand. Despite the pain, she felt her pussy moistening and knew that Steve could see her arousal. Smack! Smack! Smack! Smack! Smack! Smack! Stopping momentarily, Steve rubbed his palm soothingly over her red blotched ass cheeks. A small moan escaped through her sobs as she felt his fingers penetrate her sex. Ding-dong....ding-dong....ding-dong! "Damn doorbell," Jenny thought, "just when it was starting to feel good!" "Okay, Jenny, up you go!" Steve said is he stood and pulled Jenny up with him. "Bend over my desk and keep those legs spread until I get back, understand?" Jenny's hands immediately went to rub her burning backside. Still sobbing, yet wearing the glow of her arousal, she nodded and laid herself over the big oak desk. The coldness of the wood startled her as she pressed her breasts into it's surface. She could feel the cool air as it blew across her exposed pussy. When Steve whistled his approval before leaving, Jenny flushed with humiliation knowing that he was looking at her most private parts and seeing just how aroused she was. As she lie over the desk, naked and exposed, she could hear other voices besides Steve's. And, the were getting louder! "Oh, my God" though Jenny, "he's bringing someone in here!" Just as she started to stand up and run away, Steve's voice froze her movements. "Jenny, I think you know our guests!" Steve chuckled. To petrified to stand up, Jenny was also too scared and embarassed to see who was here. So, she just laid there with legs still parted and her entire body red with embarassment. "Come now, Jenny. Don't offend our guests. Please stand and greet them!" commanded Steve. Slowly, Jenny raised up and immediately attempted to cover her naked breasts with one arm and her exposed crotch with her other. As she turned to see the visitors, she let out a surprised scream. "Oh, my God! What are you doing here? Steve, get them out of here!" she yelled as she tried to run out of the room. But, Steve had anticipated this and easily blocked her way, grabbing her from behind by both arms. "Now, now, Jenny, is that any way to treat our company?" Steve laughed as he continued to hold her arms, preventing her from covering up her nakedness. "My, Jenny, you are even more beautiful that when we met earlier today. Don't you think so, son?" Mr. Jenkins smiled as he scanned her from head to toe. "Oh, yeah, Dad, she's gorgegous!" said Tom Jenkins as he stared openingly at the exposed lips of her shaved pussy. "I'm sure glad I played my hunch and called your husband!" the old man said, "This will be the best insurance settlement I've ever received!" Flushed with embarassment and anger, Jenny tried kicking herself free from Steve. But, he would have none of it and pulled her back to his desk. "Gentlemen, I was just about to give Jenny the second half of her punishment." he said eyeing the big black belt, "Would you care to join me?" Both men rapidly shook their heads indicating their eagerness to help out. "Good! I'm going to need you help in holding her down so if I could have one of you on each side, please." Steve said. Each man moved to opposite sides of the desk and took hold of an arm. Then, gently yet firmly, they pressed in down onto the desk as she still struggled to get away. Once she was pinned down, Steve reached down and felt her wet pussy. "Jenny, as part of your punishment, I've asked Mr. Jenkins and his son to participate. Maybe the shame and humiliation from this will help keep you from having any more accidents!" Steve said as he fingered her open pussy. "Stop, please! I don't want them to see! Please!" she pleaded. But, both men were strong and she could barely move. She could feel the heat of her embarassment cover her body as she was looking straight at Tom's crotch and the outline of his hard cock. SMACK! Steve answered her protests with the big belt across her defenseless ass. "YEOW!" Jenny screamed as she kicked her legs to help ease the pain. SMACK! "OW!" Both men held on tightly as Jenny screamed and howled as Steve played the belt across her butt. Tom, the young man, was especially excited and leaned over hoping to see more between her legs. Jenny saw this and struggled even harder, but was unable to prevent him from seeing all of her delights. SMACK! "OUCH! Please stop, Steve! I promise no more wrecks!" Jenny begged. "Sorry, babe, but we're not done yet. You don't sound very sincere yet!" Steve laughed as he brought the belt down again. SMACK! "Damn, son, you'd better release that thing before you pop a seam!" Mr. Jenkins said as he nodded at his son's obvious erection. After getting a silent nod of approval from Steve, Tom tugged his shorts down with his free hand, releasing his rigid member. As he looked into Jenny's glazed and reddened eyes, he slowly began masterbating for her. Jenny felt herself flush again, but could not take her eyes off his moving hand. Suddenly, Steve interrupted her thoughts. SMACK! "OWWWW!" Taking the cue from his son, Mr. Jenkins unzipped and fished his hardening cock out as well. Then, reaching down and grabbing Jenny by the hair, he turned her head and forced her to look at his long, dangling cock. When she was focused on it, he started tugging on it, letting her watch as it grew to it's full swollen length. Steve was get hard as well and was anxious to take Jenny's punishment to the next level. Even though he knew she still deserved several more blows from the belt, he knew what to do next. SMACK! "YEOCHHHH!" Jenny sobbed as the pain cut through her. "Tom, how about you and I switch places?" Steve said as he laid the belt down and took hold of Jenny's arm. "Sure! Yeah!" grinned Tom as he moved behind her and started to pick up the belt. "I don't think we need that right now." Steve said. "Why don't you take care of the growing problem sticking out in front of you!" Grinning like a kid, Tom movee up and grabbed hold of Jenny's hips. Jenny tried to struggle out of his way, but it was no use as she felt his fingers rub across her open sex. "No, please, no! Not that!" yelled Jenny, but it was no use, his fingers had already begun penetration. Instinctively, her pussy clamped down on him and she felt every inch as they moved inside her. "Oh, damn, she is so hot and wet!" Tom exclaimed as he buried three fingers deep into her. None of them overlooked the small moan that escaped from Jenny has his fingers bottomed out in her. As Tom began pumping them in and out of her, Steve reached over with his free hand and slapped her hard on the ass. This brought another and louder moan from her. Mr. Jenkins dropped his cock and did likewise on Jenny's other asscheek. Once again, the moans mixed in with her screams told them she was on her way to a big orgasm. "Oh, shit, she's going to cum!" Tom yelled as she bucked hard under his hand. "NO!" screamed Jenny not wanting to cum in front of them, "NO!" But, it was too late; her desire had overcame her inhibitions. Her body began shake and quiver as the overwelming throes of orgasm passed through her. Embarassed and humiliated, Jenny began to sob softly as she realized what she had done in front of these two strangers. Seeing Jenny's emotions pour out, Mr. Jenkins released his hold on her and moved up behind her. Before she could even move, he had penetrated her and was trying to push his large cock fully into her. "Oh, God, she is one tight woman!" Mr. Jenkins cried as his cock finally touched bottom. "Steve, would you mind spanking her again while I fuck her?" "Not at all!" Steve grinned and recommenced the assault on her ass. Once again, Jenny felt the passion begin again within her. She was so turned on that the spanking only added to her arousal. She tried to not show her enjoyment, but was unable to; her body was betraying her again. Her pussy was now as hot as her ass was and getting hotter with each stroke of the old man's cock. As Mr. Jenkins he settled into a steady rhythm, Jenny could feel every movement inside her. As her orgasm built, Tom got into the act by roughly pulling her head to his side and shoving is cock deep into her mouth. Once again, the humilation of being used in both her pussy and mouth by total strangers overcame her and she began to cum hard again. As both men pumped her orifices full of their hot sperm, Steve watched in awe as she came over and over again. After each man had pulled their wilting cocks out, her eyes were closed and her body twitched with the after effects of her huge orgasm. "Steve, I think we've come pretty close to settling this debt. However, if you don't mind, I would like to keep it open for a little longer. You know, just to ensure that nothing else goes wrong with our car over then next month or so." Mr. Jenkins grinned. Smiling back with total understanding, Steve said, "Yes, I think is a good idea. After all, you should get your money's worth!" Jenny had almost passed out from the intensity of her orgasms and had barely heard the men talking. She did, however, hear enough to know that she might have another punishment coming. And, smiling inside to herself, she wondered just what they would dream up for her next.