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WTF? - Happy's Obsession
or what I do between bouts of Real Life
qafhappy
qafhappy
WTF?
The SO & I were heading for the airport Thursday, to fly home for Thanksgiving. We were going at 63 mph (cruise control), talking away, and...

BLAM!!

Some idiot managed to rear-end us. We didn't even see him. His front left hit our back right, punching in the bumper, mis-aligning the trunk. Thank God he didn't spin us out.

The only thing I can figure is he was flying up in the fast lane (we were in the carpool lane), somehow got distracted, drifted over, and hit us. He had to be going at least 15-20 mph faster than us.

K got out, pretty much screaming at the guy, asking how the f**k he managed to hit us at that speed. The guy was pretty flat faced, didn't give any explanation. But he did ask if we were backing up.

Yeah. Backing up, in light/no traffic, in the carpool lane, on I-5. If we had been backing up? He would have killed us, because he was doing at least 80.

He hasn't contacted his insurance agency yet, even though we called ours, and his, the same day. But he was going to the airport, so maybe he was traveling this weekend too. According to his insurance adjuster, he has to contact them in a "reasonable time" (which is not specified). If he does not, than a process is started whereby letters go out to him, telling him to respond. If he doesn't, than his policy is canceled.

So what if that happens? Do they pay us?

No.

If he doesn't get back to them, he loses his insurance, and we get nothing. Or I can go through my own insurance, pay a $500 deductible, and they will try to get the money back for us. Oh, and if I go through my insurance? I have no rental car coverage, so I'll have to pay for that. If he is honest about what happened, then I get a rental from his insurance.

He sure the hell better call his insurance company.

Oh, and my car is 10 years old, high miles... the repairs might be more than the car is worth, although it gets 28 mpg. So I'll get like $2-4K towards a new car. Yeah, *that* will get me one...
10 Voices or Sing to Me
Comments
shadownyc From: shadownyc Date: November 30th, 2009 12:19 pm (UTC) (Link)
OMG! That's awful. Are you okay?

I hate creeps who don't take responsibility for their screw-ups. Did you get a police report?
qafhappy From: qafhappy Date: December 7th, 2009 04:10 am (UTC) (Link)
No police report - we had to make it to the airport for our flight, and the car was drivable. We probably should have, and definitely would have if there wasn't a holiday flight to catch.

I have to hope it doesn't come back to bite me in the ass.
ozchique From: ozchique Date: November 30th, 2009 01:17 pm (UTC) (Link)
Oh my goodness. How terrible. What was that other driving doing? Golly.

I hope all the insurance is sorted soon and this man makes the call to his company.
qafhappy From: qafhappy Date: December 7th, 2009 04:11 am (UTC) (Link)
He finally did... but not until this Friday, 8 days after it happened. He "doesn't know how it happened", but since his front left impacted our back rear, they are willing to accept liability.
positive_pat From: positive_pat Date: November 30th, 2009 01:53 pm (UTC) (Link)
Wow that is horrible. I hope you guys were Okay. Did you all call the police to get a police report? I hope this did not make you late for your flight home. :(

I really hope the guy comes through and gets in touch with his insurance company soon. Keep us posted.

Hugs
Pat
qafhappy From: qafhappy Date: December 7th, 2009 04:13 am (UTC) (Link)
Mo police report, or we would have missed the flight (which we made). He finally did call, 8 days later. "Doesn't know how it happened", but because it's his front/our rear, his company will pay for fixing my car.

Now I only have to hope it doesn't rain before I can get it in, as I need to find a shop near work to do it.
severina2001 From: severina2001 Date: November 30th, 2009 01:56 pm (UTC) (Link)
This is just not.your.year.

*snuggles you and looks forward to 2010*
qafhappy From: qafhappy Date: December 7th, 2009 04:14 am (UTC) (Link)
*snuggles in*

Thanks, after everything that's been going on, I can only hope 2010 will be peaceful, happy, and uneventful.
hsifeng From: hsifeng Date: November 30th, 2009 07:30 pm (UTC) (Link)
*see icon*

Gah! What is with these friggin events all converging like this?
qafhappy From: qafhappy Date: December 7th, 2009 04:13 am (UTC) (Link)
I don't know, Sissy. Somehow Fate has decided she doesn't like me right now.
10 Voices or Sing to Me