The Murphys Go Camping, And Put Their Auto Insurance to the Test
Summary
Reading Time
6 min
The Murphys are heading on a family camping trip! What could possibly go wrong? Ahh, well… if there’s a way for things to go sideways, the Murphys will find it. Thankfully they’ve got Sandbox in their corner.
On Their Way!
On the way out to their camping spot, Murphy’s favourite tune, “Raindrops Keep Fallin’ On My Head”, came on the radio. Distracted by the classic, peppy tune, he accidentally rear-ended the unsuspecting vehicle in front of him. Eep! Fortunately, with car insurance from Sandbox Mutual Insurance, Murphy’s damage was covered as well as the dent he left in the other guy’s car. Initially upset, the other driver softened after seeing Murphy’s last name on his driver’s license and hearing his tales of constant mishaps. “Murphy’s Law, huh?” he chuckled, driving away with a soon-to-be-fixed bumper.
Chaos at the Campsite
Not to be dismayed, the Murphys continued on in Mrs. Murphy’s truck, also, of course, covered by Sandbox. Like many prairie moms balancing family and road trips, Mrs. Murphy appreciates knowing her truck, and her sanity, are protected. They found a nice little shady spot within the trees at their camping ground. After setting up their trailer and firing up the BBQ, the wind started to blow… like crazy. A large tree snapped right next to their trailer, and landed right on it! Ahh! The BBQ flew through the air, and their dinner plans quite literally crashed into the trailer windows. Luckily, with trailer insurance from Sandbox Mutual Insurance, Murphy is good to go — damage from unsuspected weather conditions is fully covered. After a quick call, they were assured that repairs would be handled swiftly, and the family could focus on salvaging their trip.
“No problem!” thought Mr. Murphy as he fired up his ATV — “We’ll go for a rip on this baby. What else could possibly go wrong?”
ATV Insurance Too?
Well, as fun as ATVs are, they’re also pretty… fast. And Murphy was half in the lake before he knew it, the engine coughing and sputtering to a sad halt. His triumphant grin turned into a sheepish smile as he waddled out, soaking wet. Not to worry! With ATV insurance from Sandbox Mutual Insurance, Murphy’s big-boy toys are also fully covered. With another quick call, repairs were arranged, and a claim was made through the Sandbox claims portal, so Mr. Murphy could laugh off his unexpected swim.
Vroom Vroom- Motorcycle coming through!
Just when the family thought they’d hit the limit on vehicular mishaps, Cousin Casey roared onto the campsite on his shiny new motorcycle, revving the engine and showing off his custom exhaust. “Check this out!” he said, grinning widely. Unfortunately, excitement got the better of him; as he leaned the bike on some soft ground, it tipped over — scraping deeply along the side. Casey groaned, but then brightened up. “No worries! I’ve got Sandbox motorcycle insurance. They’ll have my pride and joy shining like new in no time.” Sure enough, a quick claim and a few days later, Casey’s bike was ready for its next adventure.
Now really running out of vehicles to injure, the Murphys settled down to dinner. But just as they were biting into their hot dogs, Uncle Murphy arrived in his 1957 Thunderbird! A beautiful classic car, they had warned him not to take it too far into the wilderness and… yep. Just as he was arriving a tiiiiiny little pebble flew up from the ground and smacked right into the windshield, leaving a giant crack. Classic car lovers across Saskatchewan and Manitoba know, even one stray rock can turn a dream ride into a headache. Tears coming to his eyes, Uncle Murphy was reminded that with classic car insurance from Sandbox Mutual Insurance, comprehensive coverage includes road hazards, like glass and rocks. Whew. The beloved Thunderbird would soon be on its way to a brand-new windshield.
Camp Fire Time!
As the sun began to set, the Murphys decided to shake off the day's disasters. (They are nothing if not relentlessly positive folks.) They gathered around the campfire, roasted marshmallows, shared stories and decided to stick to card games and sing-alongs for the rest of the trip. (They lost all the aces, and forgot all the words.) Despite the chaos, they found moments of joy and laughter, creating memories that were definitely uniquely their own.
The next morning they awoke to a serene sunrise, and for a brief moment, everything seemed perfect. Mrs. Murphy took a deep breath, appreciating the beauty around them. Unfortunately, moments after a sip of her first coffee, Mrs. Murphy heard a strange sound from the sky. The universe had one more surprise in store, because, of course it did.
“Is that …a meteor?” she wondered to herself, as what looked like a shooting star danced across the sky and got closer… and closer… and VERY CLOSE UH OH — CRASHHH!!! “Yes, yes that is in fact a meteor...” she said. As the cosmic rock sat, smoking, in the middle of her truck bed. Luckily, Sandbox’s comprehensive coverage even includes events that are out of this world.
With Sandbox now at the top of her recent call list, she knew just what to do, as the rest of the family woke up to investigate the newest vehicle damage. With trusty car insurance from Sandbox Mutual Insurance, she knew cosmic events were no match for Sandbox’s comprehensive coverage.
Even though the Murphys take a lot of precautions, they just seem to have the worst luck imaginable. But, with Sandbox Mutual Insurance covering their car, trailer, ATV, and even Uncle Murphy’s classic Thunderbird, they were able to handle every mishap that came their way. Even if you have better luck than our poor pals the Murphys, being prepared for the unexpected with great coverage for all your wheeled accessories is a smart spot to be in. Don’t let your camping trip go awry! Sandbox Mutual Insurance’s comprehensive auto insurance ensures that no matter what bumps (or pebbles) you encounter on the road, your adventures can continue smoothly. From minor fender-benders to major mishaps, Sandbox Mutual Insurance has you protected, allowing you to enjoy your travels with peace of mind.
Covered from Fender to Falling Star
Don’t let mishaps ruin your next road trip. Sandbox Mutual Insurance offers:
- Auto Insurance
- Comprehensive Car Insurance
- Trailer Insurance
- ATV Insurance
- RV Insurance
- Classic Car Insurance
- Motorcycle Insurance
- Snowmobile Insurance
- Commercial Vehicle Insurance
- And more coverage options within!
Insurance that’s built for the unexpected, even if you’re not a Murphy. Find a broker in Saskatchewan and Manitoba to get started.
Please note that the information in this article may not accurately reflect your insurance policy from Sandbox Mutual Insurance or another insurance company. Please refer to your policy or talk to your broker about your specific coverages.
FAQ'S
What types of vehicle insurance did the Murphy's use on their camping trip?
The Murphys relied on several Sandbox Mutual Insurance coverages throughout their trip, including auto insurance for vehicle collisions, trailer insurance for weather-related damage, ATV insurance for recreational vehicle accidents, motorcycle insurance for mishaps with Cousin Casey’s bike, and classic car insurance for Uncle Murphy’s Thunderbird. Each policy helped cover unexpected damage and kept their adventures on track.
Does comprehensive auto insurance really cover unusual or rare events, like falling debris or meteors?
Yes! Comprehensive auto insurance through Sandbox Mutual Insurance covers a wide range of unexpected events — including things like falling trees, flying debris, wildlife encounters, vandalism, and yes, even rare incidents like meteor damage. If it’s out of your control, comprehensive insurance is designed to protect your vehicle from it.
Why is it important to insure recreational vehicles like ATVs, trailers, and motorcycles separately?
Recreational vehicles have their own unique risks — such as off-road accidents, tip-overs, theft, and weather-related damage — that aren’t covered under a basic auto policy. Specialized insurance ensures each vehicle is adequately protected based on its use. For the Murphys, this meant quick repairs and peace of mind when their ATV went for a swim, their trailer was crushed by a falling tree, and their motorcycle toppled over.
