Insurance is something we all need, but hate having to pay for. We have insurance for our cars, our homes, our health and our lives. Most of the time, you look at the big numbers, what the premium is and what the payouts would be.
No one ever reads the fine print.

But maybe you should. Because there just might be something tucked away in those pages of legalese that could be the difference between life and death.

"Total Loss" first appeared in the pages of Analog: Science Fiction and Fact in July of 2006 and was voted by the readers as one of the favorite short stories of the year. You can discover more by James Hosek at https://JamesHosek.com.

sf humor spec