BY JOHN CATTAU, 

MANAGING PARTNER OF KIRK CREEK INSURANCE SERVICES, LLC

Watch the Blue Brothers recently?  Embedded in it, arguably the best musical performance in a movie, ever: Aretha Franklin’s performance with her titanic, R&B #1 hit, Think.  Published in 1968 in the crucible of the civil rights and women’s liberation movements, Franklin’s gospel-inspired anthem shouts freedom, independence and respect.   

Franklin’s character delivers an electrified juggernaut, a timeless statement that transcends race and politics, in a failed attempt to keep Marvin from rejoining Jake and Elwood. 

While it didn’t stop Marvin, can Franklin’s simple message help you in 2026? 

For starters let’s look at the issues with today’s latest eye candy, electric vehicles (EVs): Do the right thing for the environment, but be aware of the costs. While EVs save money on fuel and routine maintenance, collision claims often cost more, largely due to expensive parts, specialized labor, and battery-related risks. 

Filing small claims?  Don’t. For EVs, even minor cosmetic damage can trigger complex inspections. Skipping affordable claims may help protect future premiums.

Accident?  Take photos, including the charging port and undercarriage, to help insurers determine whether high-voltage components were affected, reducing disputes.

Parking?  Stay out of valleys.  Flooding is a serious concern for EV batteries, so park on higher ground to reduce claims.

Your policy? Review it annually, and ask about EV-specific discounts, safety-feature credits, and usage-based programs. Check your deductible too.

So in 2026, keep Think close to your heart, and make smart choices—before and after an accident.  Add it to your playlist, and you’ll forever see the world differently.

John Cattau, Managing Partner of Kirk Creek Insurance Services, LLC is a New York State licensed insurance broker BR-1917908. He can be reached at 929-456-2265.  Visit www.kirkcreekinsurance.com for more information.