Note: This story was dynamically reformatted for online reading convenience. Insurance - Chapter Four of School Girls by Juliet Merri As Stephanie pulled into the parking lot she thought about the man waiting for her inside the small storefront of the strip mall. He was her father's friend. They had been golfing buddies for years. In any other situation, she wouldn't have felt so ashamed. But something about their relationship made her feel uneasy. She loved doing everything he said but the secret was beginning to feel very heavy. The first time he used her, she was taken totally by surprise. Her parents had pulled her out of school over the incident with Paul. Paul had been her boyfriend for four months. He had whined, pleaded and begged her to give him a blow job. When she finally gave in, he told everyone in the school what she had done. Pictures ripped from porn mags started getting taped to her locker. Her friends abandoned her. She was tormented and teased at every opportunity. When her parents found out, they were equally livid at the boy, shocked at their daughter and angry at the school for turning a blind eye to such abuse. She was removed to St. Mary's the following Monday. It was the Saturday following this transfer that changed her life. Her parent's Anniversary party was always held in their large backyard. Amid the gardens, all of their friends would drink too much Sangria, eat too much BBQ and spend too much time dipping in and out of the hot tub and pool. Usually at least fifty people showed up, so it was always hugely busy. Stephanie woke up that morning with a little sprinkle of light flashing in her lower right eye. She knew immediately what it meant. A migraine was going to overshadow her parent's day. She went to her mom, crying. "I know it's coming. It's going to get worse, mom", she cried. "Take your medication and go to bed. Sleep through it as best you can. Everyone at the party will understand. It's no wonder with all the stress lately", her mom was being kind. As kind as she could be. Every time she looked at Stephanie, she thought about what her daughter had done. A mixture of surprise and mild envy always filled her when she dealt with her daughter lately. "To be so young and so beautiful", she thought. Stephanie went to bed, after taking the migraine medication. Hopefully catching it early would keep it in control. She had suffered stress related migraines since she was in eighth grade. She slept most of the morning and into the early afternoon. Shades drawn to keep out the light, she tossed and turned in her bed. Her glossy, mahogany hair spread out on her pillow. She slept in matching blue panties and tank top. Her long legs kicking the blankets when she got too hot, curling up and shivering as she cooled off again. She slept in this fitful state for hours. Her migraine held down by her dreams. It was late in the afternoon when she heard a knock on her door. It was her mother. "How are you doing in there?", she asked. Stephanie got up and opened the door. Her mother was wearing a robe and her hair was in a mess from the pool. She was obviously enjoying the afternoon. Stephanie could tell she had been enjoying her wine, too. "I'm still feeling a bit queasy, Mom." Stephanie replied. "I'm going to go back to bed. Maybe I'll be better in the morning." Stephanie looked drawn, pale. "It's going to be okay, sweetheart", her mom hugged her. "You sleep, we'll try to keep the noise down. I hope it hasn't bugged you", her mom smiled. "It hasn't. Go have fun. I love you", Stephanie hugged her mom back. She went back to bed and fell back asleep. Noise from the party didn't register with her at all. The next time she heard her bedroom door open, she could tell it was very late. The colors had changed and she could tell it was from the moonlight outside. She couldn't tell who came into her room. "Mom?", she said softly. She propped herself up on her bed and looked at the door. The darkness of her room made everything look like shadows upon shadows. "Shhhhh", the voice was male and he moved fast. The next thing she knew his hand was over her mouth. She could just make out who he was. Greg, her father's best friend. He was a couple of years older than her father. They had become friends when he bought insurance from Greg. With the amount of insurance he needed for his business and home, her father spent a lot of time at Greg's small office. Soon they were golfing together and then the years past. She once considered Greg almost an uncle figure. He had been in her life for as long as she could remember. Now he was sitting on her bed, hand over her mouth and whispering to her. "I heard about what happened at your school", he said. His voice so low and soft. She started to squirm, upset and scared. "Shhhhh, girl. Be still. I won't hurt you." He kept his hand over her mouth. The other hand slid up her back holding her in place. "I think it was horrible. Stupid ass didn't know when he found a golden goose." Stephanie stared at him. Still half asleep. Not understanding what was going on. She didn't notice how hot his body felt next to hers. The heat came off of him in waves. "You my girl, are a golden goose", he smiled in the shadows. "I am going to take my hand off your mouth, will you behave?", he asked. Stephanie nodded. "Good girl", he slowly took his hand away and smiled again. "Silly goose. You need a man who will appreciate a good girl like you. Not some boy-idiot." He kept his other hand on her back. "I don't understand. What do you want?", Stephanie was awake now. "I want you to be my good little girl. Do you want to be? You gave it away to a boy who abused your gift. I won't do such a thing. A slut is something to be treasured. And you are a slut, aren't you?", he chuckled as he said it. She could feel her throat and cheeks burning with humiliation. She wanted to slap him. "It's okay to be a slut, girl", he moved his other hand up her side and cupped her left breast. "Stop it!", she cried. "Stop it? Stop what? You want this and you know it. Relax and enjoy yourself. You know you want to explore everything we can do together. It's okay to admit it", he tugged the strap of her shirt down exposing her breast. Leaning in to suck her nipple into his mouth. The feeling was overwhelming. Paul had never done that. He would always want her to touch him. Stroke him and make him hard. She arched her back and sighed softly. Greg smiled. He knew he had made the right decision coming in here. He had waited all day, half erect thinking about this girl. He went very lightly on the drinks, acting as barman, he was very generous with the drinks he served to Stephanie's parents. They were dead to the world right now. Inviting him to stay over on the couch before they stumbled their way into bed. He was only too happy to agree to stay. He continued enjoying her tight little nipple. Coaxing it with his tongue and massaging her breast with his hand. God this was too good. He had wanted her since she first started budding into womanhood. Now she would be all his. He slid his other hand from behind her back to her thigh. Pushing his hand between her legs and rubbing her little cunt with his fingertips. He wanted her so much. She moaned and her hand went into his salty brown hair. She loved his mouth on her tit. He teased her clit through the thin, blue material of her panties. She spread her legs wider for him and he took the invitation for all it was worth, pulling the thin elastic leg band aside and nuzzling his fingers into her wet slit. He pushed and probed with his middle finger until he found her tight, sweet hole. He stopped sucking and looked at her. "Are you a virgin?", he had to know. He wanted her to be a virgin more than he wanted to breathe at that moment. "Yes," she replied. She lowered her chin and her dark hair obscured her face. He pushed his finger in deep, feeling that she was indeed intact. She gasped and tossed her hair back. He pushed again, knowing this would cause some pain. She bit her lip and took it. He drew his finger out and started to undo his pants. She reached for him, tugging his shirt off. Soon he was naked and she got to see his very thick cock poking out at her. Greg didn't have a very long cock, just average. His claim to fame was the sheer thickness of it. Stephanie looked at it and thought to herself that she'd never even get the whole head of his cock in her mouth. She didn't realize that when he fucked her the first few times, it was going to hurt like a bitch. She didn't care at the moment. She wanted his mouth on her and his fingers toying with her clit. She whined a bit and reached for his hand, putting it on her cunt. "Such a greedy, sweet girl," he whispered. He pushed her gently on her back and tugged at her panties, sliding them over her long, creamy legs. He spread open her legs and decided to give her a real treat before he fucked her. He leaned in and ever so softly started making love to her with his mouth. She tasted like a summer sunset to him. Drinking in everything, her squirming and moaning. Her arching her back and spreading her legs as wide as she could. She obviously wanted to give him everything. He climbed on top of her then, pushing his cock head between her swollen and sopping cunt lips. He started to kiss her, forcing her to taste her own cunt. She went still at first but then relaxed, kissing him back. The taste of her cunt shared by both of them. Sucking his tongue into her hot, eager little mouth. Her hands running over his ribs as those smooth legs of hers lifted up, calves resting on his back. She was so ready for him. She wanted him. He pushed his way in, it would take every fiber of his body not to cum all over her. He started to stroke little strokes. She moaned as he fucked the most sensitive part of her cunt. But he wanted it all, he kept pushing while they kissed. Each stroke harder and deeper. The pain of his thick cock stretching her was starting to register. She didn't know what to expect when he finally thrust all the way in. Her cry was muffled by his mouth on hers. The pain was very intense. She wanted to get away, she pushed at him but he grabbed her and held her down. Forcing his rock hard cock all the way into her sweet cunt. He stopped kissing her and whispered in her ear. "Fight if you want, girl. It will only make me harder." She started to cry softly. She felt his teeth sink bite her. A warning bite. "Shhhhh. Be a good girl and fuck like the slut you are. You'll get used to my cock." She bit her own lip to stop crying. She had to. Her thoughts went wild hoping her parents wouldn't hear and come in to her room. She held tight to him, hands balled into fists on his back. He kept fucking her, stretching her cunt with every thrust. It was the tightest, hottest cunt he had ever broken in and he loved every stroke. He wanted to make her feel his cock for days. He imagined her swollen lips, how it would feel to have panties rubbing up against her bruised little pussy. The thought drove him on as he fucked her hard, the bed starting to make noise. He didn't care, he knew her parents were passed out, down the hall. "God, yes!", he cried out as he finally came. Pushing, thrusting as deep inside of her as he could. Filling her up with hot, sticky cum. He kissed her again, filling out the pleasure of his cumming. She kissed him back, he could taste tears and loved it. "Mmmmm, good girl", he whispered in her ear. He pulled out of her and watched the pain slide across her face as he did. He slipped his fingers inside her gaping little hole. Fingering her, his thumb playing with her clit. She moaned in pleasure and pain. She was confused as he kept playing. It was obvious she didn't masturbate much, or she would know what he was doing. He'd change that, too. She needed a lot of pleasure to keep her coming back for more. He didn't want her to associate sex with one sided pleasure and her pain. He leaned down and suckled on her breast again, pushing the fabric aside softly. Soon, she was moving her hips in rhythm with fingers. Fucking back like a good girl. She came on his fingers, shuddering and sighing. He held her afterwards. Praising her, kissing her. Treating her like a princess who just gave him the best gift, ever. He had her get her panties and shirt on and held her until she fell asleep. Covering her with her blankets and finding the sofa for himself. The next morning, her mother cooked breakfast. Stephanie came out, after having a long shower. Dressed in sweat pants and a tank top. She sat down to breakfast, gingerly taking her seat. Greg smiled at her the whole time they ate. He acted as if nothing had occurred the night before. Just before he left for home, he gave her a note. On it was his cell phone number and the words "You're Mine." Stephanie smiled as she put the note away. She thought to herself, "What a difference a day makes."