A BETTER INSURANCE POLICY



By POC

 

	The first time I ran into her.... Well, actually, she ran

into me, I was driving east on Lusk boulevard after having 

dropped off my final report on the Cranston case at my current 

employers office the National Fidelity insurance Company. 

I was driving home during some uncommonly heavy lunch hour 

traffic and I could almost taste the cold beer waiting for me in my 

refrigerator.  



	I work as a free lance insurance investigator, and 

National Fidelity had kept me engaged for over six months now. 



	A six month long stretch of income was unusual in my line 

of work, but was great by me and for one of the few times in my life

I didn't have bill collectors constantly phoning asking for money. 

You'd think they'd get tired of hearing the check was in the mail. 

	Periods of two or even three months without income was

not unusual in my line of work before a new assignment would

come along and I'd play catch up on the bills. This uncertainty in 

pay checks made for some real creative accountant with manipulating 

the bills, but it's my profession and I enjoyed it. Now with National 

Fidelity I was feeling flush and feeling good. 

 

	Well back to her. I was sitting stationary at a stoplight in 

my car, a two year old Jag when she ran into me. I know your 

probably wondering how can a guy without a six figure job afford a 

Jag. Well, namely because I didn't buy it. It was given to me by the 

grieving widow of a guy that had kicked the bucket under some very 

strange circumstances. I was hired by the insurance company to 

investigate and came up with a report that favored the wife, and she

ended up with a ton of money from his insurance policy. She 

was so thrilled with my investigation she gave me the car, which had

belonged to the dead husband in appreciation for good honest services 

rendered. The Jag has come to mean a lot to me and even in the thin 

times I just can't bring myself to selling it.



	But I digress. So there I am at this stop light and  suddenly I 

hear the terrifying squeal of breaks on asphalt from behind me. I'm 

looking around to find out who the idiot is slamming on the breaks 

when abruptly I'm thrown forward and my chest presses tightly 

against the shoulder strap of my seat belt as it does its job from 

keeping me from doing a full gainer through the front windshield, 

just before I'm just as suddenly flung backward pounding into the rear 

of the seat.

	Bu the way I think I forgot to mention I'm also one of the last 

few remaining American smokers. The cigarette I had between my lips 

fell into my lap and promptly burned a hole in the right leg of my brand 

new pair of slacks. After the rocking had stopped and I had brushed the 

cigarette from my lap, all I could think of was, "Fuck! Someone's going

to pay!" I looked out the rear view mirror and saw what seemed to be

an older chevy. I was looking directly at the front grill because it had 

climbed part way up my rear bumper. Just above the grill I saw a blond 

girl seated behind the wheel of the chevy. She looked frightened and her 

face was paler than her hair. 



	Through the open drivers side window I could hear her 

saying to herself. "Shit.....Shit.....God damn it.....Oh Shit!" 

 

	The light turned green and I waved my hand out the 

window indicating I wanted her to follow me as I made a right turn. 

After listening to the sound of metal scraping on metal as the Jag 

pulled itself free of her car, I drove into a shopping mall parking lot 

and parked. She followed and parked in the slot next to me.



	I started to get out of the Jag and felt a sharp stabbing pain 

run along my neck down toward my back. I massaged the back of my 

neck and arched my spine forward trying to relieve some of the pain,

and noticed the girl had gotten out of her car and was standing next

to me watching as I grimaced in agony.

 

	"Shit. I'm so sorry." She said through the open window and 

biting down on her lower lip. 

 

	I cocked my head to the left looking up at her. She was still 

blond, and a very good looking blond at that. Her hair was long and 

hung gracefully down around her shoulders. She had a pair of blue 

penetrating eyes that were almost hypnotizing, in her mid twenty and 

looked to be five foot six or seven inches tall gauging from my sitting 

position. 

 

	"Hell. I'm sorry too." I said sarcastically. "What happened?" 

 

	"I don't know." She answered. "One minuet I was driving 

the next I was running into you. I... I just don't know." 

 

	"Well, let's get this over with." I said and painfully 

unfastening the seat belt and slowly opening the car door to 

step out. She was forced to move aside as I opened the car 

door.  

 

	I was still holding the back of my neck as I walked 

gingerly to the rear of my car and surveyed the damage. The 

Jag had a twisted bumper and a large dent just below the trunk 

lid. The lid itself had only scratched paint as far as I could see. 

The chevy didn't look like it had been in an accident at all, with 

the exception of some of my paint on the front bumper. 

 

	"Your car looks fine." I told her. "The rear of mine is 

screwed." Then I added, "My new slacks are shot too" I pointed out 

the new ventilation the cigarette had made.  "and... I'm not normally 

one of those whip lash kinda guys but I think I'll need to see a doctor.

My neck and back hurts like hell." 

 

	"Oh....I can't tell you how sorry I am.... I just don't know 

how I did this." 

 

	"Sure. Let's exchange drivers license and insurance 

information and we can call it a day." Now I needed that beer 

more than ever. 

 

	I saw moisture develop in her eyes then a small tear 

rolled down her left cheek. Her lips quivered as she spoke, "I..... 

Oh God..... I don't have any automobile insurance..... and this 

car isn't even registered. Can't we work something else out? 

I.... I.... don't know what to do. I'll be in so much trouble if it 

gets reported to your insurance." More tears ran down her cheeks. 

 

	"Oh Christ!" I said lifting up my head in disgust, then 

gritted my teeth in pain after the head movement. 

 

	"Look....." Her voice was meek and pleading. "If you 

follow me to my house I know I can fix that pain. If nothing else I 

can fix that, and your pants I can fix that hole too. It would give

us some time to figure out what to do about your car and all. 

Come on. What do you say? Give a girl a break." 

 

	"This is kinda...." I started to argue.

 

	"I'm a trained masseuse. I took professional class's and all. 

I didn't quite finished because I ran out of money, but I'm still pretty 

good. I can get your neck and back of yours to feel like a teenager's.

I know I can help. What do you say? I'll fix your pants and we 

can work something out on the car. I'm sure of it." Come on please."

She still looked scared. 

 

	"Shit, what the hell. Let's go." What else could I do. What

would you have done?  

 

	She got into her car and I followed her for about five 

miles until she pulled into a large complex of rental apartment 

buildings. The complex was somewhat run down, and was located in 

one of the lower rent communities. I parked next to the curb out on 

the street and she pulled into one of the parking slots inside the 

parking area. 

 

	She walked slowly and I followed her to a first floor 

apartment, numbered A-23. The A stood for Alpine, all the 

different buildings had some fancy name painted on the walls, 

such as the birch building and the cedar building and so on. They 

must have used up the entire alphabet with the amount of buildings in

the complex. 

 

	Inside her apartment the furnishing were older and out 

of style, but everything was clean. The kitchen was just off the 

living room and adjacent to a very small dinning area. I could 

see a short hallway with an open door to the right that must have 

lead to a bath and farther down the hall a closed door that I assumed 

was the bedroom. 

 

	She pointed to the couch and said, "Please, have a seat. 

I'm Sally, Sally Bridges. Can I get you a beer?" 

 

	I sat and answered, "Sure. Thanks. I'm Jeff." I didn't feel 

like nodding. It still hurt, but the thought of a beer took away some 

of the pain.  

 

	"Hi Jeff" She said as she took the short walk to the 

refrigerator and returned with two Corona beers in one hand, and

a plate holding two glasses, a church key, a knife and a whole 

lime in the other. She set the beers and plate onto the coffee table in 

front of the me and gave me a weak smile. "Cut some lime for your

 beer if you like." She sat down on the other end of the couch. 

 

	I opened both beers with the key and used the knife to 

slice the lime. After stuffing a wedge of lime in the neck of the 

Corona I took a long slow pull at the cold refreshing brew. 

 

	She folded her hands across her lap and looked directly 

at me. "Listen we have to work something out. If you report this 

accident I'll lose my drivers license and I won't be able to work, 

and if I lose my job my husband would kill me. I've almost saved 

enough money to get that damn car registered. After that I was

going to get insurance. So far I guess I've been lucky that I 

haven't been stopped, then I go and smash into you. God. I can't 

begin tell you what it would mean to me to work something out." 

 

	I took another long pull from the bottle then said. "Yeah. 

Sure. Don't worry about it. Screw it. I'll turn it in to my insurance

company and we can work out some kind of payment arrangement

for my deducible." Her long lashes and tight figure were getting

to me I guess. And I am a sucker for a good looking woman. It's

a weakness, what can I say.

 

	She smiled at me again. This time it was a much 

broader one. "Thanks. Now take off your shirt and lay down on the 

couch. I'll get that back and neck of yours in shape in no time." 

 

	Well what the fuck. No insurance, no nothing. At least I 

could get back rub from this stone fox that I could write in my 

memoirs. Yeah, so I'm a little lecherous, its just a back rub for 

Christ sake. 

 

	I started to unbutton my shirt and she stood and walked 

toward the hall. "Good. I'll be right back." I heard the bedroom 

door open as I pulled my shirt out from my slacks. She returned 

carrying a plastic squeeze jar of hand cream. "I don't have any 

of the real body oils, but this will do." She held out the jar for my 

inspection. I placed my shirt over the back of the couch and laid 

face down. 

 

	I heard the 'snick' of the jar lid then her hands rubbing 

together. Next I felt her smooth silky palms on the nape of my 

neck working some lotion into my sore muscles. She stopped 

and gathered some more cream into her hands and worked it 

into my upper and lower back. Her hands were like magic. She 

must have had some formal training with the skill she applied to 

my strained muscles and nerves. She worked on me for about a 

half hour almost putting me into dreamland and I felt obligated 

to tell her how good she was making me feel. "That does feel a

lot better. Your pretty good at. Thanks." She had gotten me pretty

worked up.

 

	"I'm so glad your enjoying it. It's the least I can do. Turn 

over and I'll do your front." 

 

	By this time I had this enormous bulge in my pants and 

though it the better part of valor not to turn over. "Aaaa..... I 

don't think so. Not now anyway. You go ahead work on the old 

back area." 

 

	I thought I heard a slight chuckle before she answered. 

"Ummm... I see. Aaa.. did I get you hard?" 

 

	My head snapped up at that and I felt a slight twinge of 

pain. I looked over my shoulder at her. "Here now. Well... That's

kind of hard... aaa... difficult to control. You know." 

 

	Her blue eyes looked directly into mine. " Yeah I know. Look 

Jeff. I feel like I really owe you something. If you'd like you can collect 

on my own personal private insurance policy. I've got a full 

comprehensive plan certified to keep you coming.

 

 	"What.... I..... a..." My voice sounded like a school kid's.

 

	She smiled down at me. "It's okay. I'd love to have you 

sample my tight little policy. It's the only insurance plan I've got,

and its guaranteed to soften any stiffness you've got anywhere." 

 

	She stood up, and I sat up quickly, having forgotten all 

about my embarrassing bulge. She slowly unbuttoned her blouse 

and dropped it to the floor. Her bra was black lace with a small 

red bow attached to each side of the cups. She gently bit down 

on her lower lip as she unbuttoned then unzipped her slacks and 

seductively slipped then down her long shapely legs. Then like a 

she cat, ever so gracefully she stepped out of them. Her black 

lace panties matched her bra with the same small red ribbons 

affixed to the sides of each hip. She smiled down at me with 

what looked to be a wicked little titillating smile. Then used her 

tongue to wet her lips as she reached back and unfastened her 

bra.  She held the unfastened bra by the straps approximately 

four inches in front of her breasts for several seconds then let it 

fall to the ground. I looked at the most perfect pair of tits I 

had ever seen. They were much larger than they had appeared 

under her clothes, I estimated them at thirty four. They stood 

proud and firm on her body. Her nipples were small and a very 

light shade of brown. I just sat and admired her. I wouldn't have 

known if my tongue was hanging out of my mouth. If it had been 

out I'm sure I would have been drooling. She slipped her thumbs 

into the sides of her panties and carefully slid them down her 

thighs and legs. As before with the elegance of a feline she 

stepped out of them. She just stood in front of me letting my 

eyes take in this example of human perfection. Her sex was a 

delicate thing with only a small amount of blond hair that ran 

along the crack. I couldn't take my eyes off of her. I wanted to 

imprint this vision on my mind and hoped for total recall. She 

walked toward me, then reaching down she took one of my 

hands and pressed it against her mound. My hand reacted as if 

it had a mind of its own. It pressed on that silky blond hair 

feeling in the crack beyond. Then one of its fingers found its way 

between her legs and cautiously maneuvered itself up inside of 

her. It had found a home. Hot, wet, sweet and comfortable. One 

of the other fingers became jealous of the first and wanted joint 

tenancy, but I refused to let it. I removed the first then placing 

both of my hands on her hips I carefully drew her down to me. 

She sat on my lap and I pressed my lips onto hers. My tongue 

moved past her teeth and entered her waiting mouth. Inside it 

found one of its own kind and they sparred playfully with each 

other. As we continued to embrace my hand found its way to her 

breast. I delicately knelled her smooth flesh and ran a finger 

around her sensitive nipple. My other hand worked its way down 

along her belly until it was between her legs. I rubbed and gently 

massaged until I felt her legs involuntarily begin to spread. I 

positioned her to lay back on the couch and then placing one of 

her feet on the floor and the other over the back of the couch, I 

leaned down and looked at the rosebud of her sex. I ran my 

tongue along both of her thighs, continued along to her mound. I 

licked under the hair inside her crack and around the little man 

in the boat. She began to moan in a soft undertone, "Owww..... 

Ohhhhh..... Aaaaaa..... Owwww." I worked my way down and 

nibbled at the entrance to her love canal, "Eeeee.... Yoooo..." 

My tongue darted in and out of her entrance. :Ssssss..... 

Aaaaa.."  I plunged in, then out, then in again. "Goooodddd.... 

Hmmmm..." Looking up I could see she had started to pinch 

both of her nipples with her fingers. I turned my attention once 

again on her love entrance. My tongue moved up to the man in 

the boat then back to her canal again. I licked as far inside of 

her as I could and then she came. I could feel her whole body 

shudder and quiver as she came. "God.... Oh God... Yes..... 

Yes... Ohhhhhh.... God..... Ohhhhhhh...... Fuck me Jeff.... Fuck 

me... now. I need your cock now!" I fought with my belt and pants 

for what seemed to be an eternity, but was probably more like ten 

seconds, and managed to push them down around my ankles 

then I slid on top of her letting my little head instinctively find her 

entrance, then I pushed in. It felt as if I belonged inside this 

woman. Her hole was so hot and wet and squeezed on my shaft 

just right creating a fit like piston in a cylinder. I pumped into her 

while mindfully nipping at her nipples. "That's it Jeff. That's it. 

Fuck me hard. Pound into me Jeff. Pound into me. Fuck me. Oh 

God yes, fuck me! Fill me with you cock!" She came just as I did, 

I felt my cum unloaded into her like a un-capped oil well. I kept 

pumping and squirting until my balls were empty, then I collapsed 

on top of her kissing her neck and cheeks tenderly with my lips. She 

took her hand and ran her finger through my hair as we lay 

recovering. 

 

	After several minutes we sat up. I retrieved my shirt 

from the back of the couch and pulled my pack of Marlboro 

Lights from the pocket. I held up the pack and asked, "Mind?" 

 

	She shook her head and replied, "No. It's okay. Use the 

plate." 

 

	I shook out a fag from the pack, put some fire to the end 

and drew in a deep breath of smoke. "Well, was my policy any 

good ?" She asked. 

 

	"Good. I wouldn't call it good. I'd call it a premium policy . 

Hell, I intend on stopping at that light everyday. You just knock 

yourself out ramming into my car." 

 

	She laughed and reached across me and took her beer. 

I took mine as well and we both sat drinking and thinking within 

ourselves. After several minuets she grinned a little and said, 

"I guess my tight policy didn't quite cover you." 

 

	"Huh?" I didn't get it. 

 

	"Just take a look. It comes to life again. My God. It's 

alive." She reached over and took my cock into her hand which 

was getting a little spirit back into it. She stroked up and down 

on it with her hand then said, "Let me give you a little additional

insurance settlement." 

 

	She slid from the couch and kneeled between my legs on 

the floor. Using her hand she guided my cock into her mouth. She 

pushed her mouth down on it until she had it all inside, 

she pulled back and licked the head and the bottom of the shaft. 

By this time it was completely hard and she took it into her 

mouth once again. She worked her mouth forward and back 

sucking on the back strokes. I tossed my spent cigarette over 

her shoulder onto the plate and leaned back watching her suck 

me. She continued working her mouth up and down and I knew I 

was going to come. "I'm going to come. I can't hold it." I told her 

just in case she wanted to pull off of me. She continued giving 

me a blow job and I said, "Did you hear me?" "Umm yeahaa... 

Ooookay." was her reply. I felt my load of cum shoot out of the head 

of my cock and she pushed her mouth as far down the shaft as 

she could. I saw her swallow a few times and could see a 

small amount of my cum seep out from between her lips, then 

run down her chin and drop onto her chest and breasts. When I 

finished cuming she pulled back and used the tip of her tongue 

to dab at the corners of her mouth.  

 

	"Did you like?" She asked with that same wicked little 

smile of hers. I just leaned down and taking her face in my 

hands I pressed my lips against hers and gave her a long wet 

kiss. When I pulled back I told her. "Your insurance company

is a lot better than mine. They got everything straightened out in 

no time."



	"I'm sure you can find something wrong with the car later 

on... We can always look at it again. You know where my office is." 

She smiled.



	I felt sure I wouldn't be totally satisfied with the repair's

and told her so. 



	"I kind of figured that." She joked.



	As it turned out I had to go back several times trying to

settle the deal... It seemed I would never be completely satisfied

with the car repair.



END