Our insurance company was disputing with us about where we lived (Brooklyn or Pennsylvania). Finally, we seemed to convince the person on the phone that the car is in Pennsylvania enough of the time that we qualify for insurance there. We were all set -- we thought.
The next we heard from them, it was a notice saying our insurance had been cancelled -- for several months! So, we called to sort this out. The lady on the phone explained that it was the fault of vague notes taken during the previous conversation, and our insurance would be restored.
"So," she added, "what we'll do is give you retroactive coverage for the time you had no insurance, and you can pay for that."
"But why," I asked, "do I need retroactive coverage, when I think there is little chance I will have a retroactive accident?"
"Well, otherwise, you'd have a break in coverage, and we'd have to charge you a lot more to restore your coverage."
"You mean, because you accidentally cancelled my coverage, I will have to pay a lot to have it restored, unless I now pay you for the time you weren't actually covering me?"
"Yes, that's right."
Ah, sweet freedom whispered in my ear, "You're a butterfly."