insurance blues

you have insurance.
car
and house.
health
and work.
even for your
phone which
you break and submerge
in water every
other month.
so many things
you are insured
for.
and the money
keeps
pouring out.
each month
each year hoping
to never
have to use
this safety net.
you'd be rich
and done
if not for that
bill
that protects so
much of
what you deem
precious.
and god forbid
that you do use
it, the rings of fire
that you must
jump through,
the maze of forms
and numbers that must
be issued.
you sigh as you stare
at the cracked
screen of your
one month old
cell phone.