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