Several years ago, one of my columns dealt with the theft of a large number of music CDs from an auto and the issue of whether the insured's homeowners or auto policy should respond to the loss. The ISO PAP and HO policy language was confusing, the scope of coverage was unclear, and the two forms didn't coordinate well on the issue. The situation was made even more painful by the adjusters' and forms writers' failure to address the greatest loss resulting from the theft–the emotional blow suffered by a music lover deprived of a lifeline to sanity: the tunes!

Many times an otherwise tedious drive has been rendered more bearable by “Paradise by the Dashboard Lights” exploding from my car's speakers, or by singing the blues along with Stevie Ray Vaughn or Buddy Guy. One reason my buddies and I so enjoyed that scene in the “Wayne's World” movie when the characters sang “Bohemian Rhapsody” in the car was that we had done the same thing when Queen originally released the song years earlier. My college roommate's girlfriend even drove a Pacer!

But, alas, those who earn their living in the ISO forms dungeons evidently either have tin ears or think “tone deaf” is a rapper. Since my first plea for coverage clarification, back when Prince partied like it was 1999, property forms have not been changed to rectify the aforementioned travesty. Perhaps the forms folks thought I had described an isolated incident, of interest only to a few parrotheads.