Posts Tagged With: insurance

Laying it all on the line…

Hey guys.  So, tonight I come to you from a place that isn’t my normal sarcastic and obnoxious self, but a depressed and down self.  This isn’t gonna be a normal  post so much as a sort of journal entry, so consider yourself warned;  if you don’t wanna read my depressed ravings, it might be better to check back on Monday, where I will, hopefully, be in a better mood.

Anyways, you may be asking what I’m so depressed about.  Well, anyone who reads regularly or knows me knows that I was in a car accident a few weeks ago.    Now, thankfully, neither I, nor the woman who hit me was seriously injured, although I did spend half a day in the emergency room and had to take three days off work (she was fine and went on to work).  It’s just that now, almost three weeks later, I’m informed that her insurance company has decided that my car is totaled, and that is where the problem and stress lies.  Now, I just bought this car in the summer; we just sent off our fifth payment yesterday, if that tells you how new it is.  And you know, it’s not even that it’s practically a brand new car…the problem is the fact that we still owe just over $22,000 for it and the insurance company only wants to pay us $19,000.  That leaves us saddled with $3,000 in debt for a car that we don’t even have and couldn’t even drive if we did.  I mean, I went and got the last of my stuff out of it yesterday, and it was laying there with broken pieces scattered all around it.  I can see why it was totaled, but why do they have to screw me over so bad?  I mean, I did absolutely nothing wrong.  I was just driving to work, and suddenly, I was smashed up, my car was smashed up, and I was suddenly in a heap of debt.  How is it fair that I should have to pay a penny?  And don’t even say that life isn’t fair.  I know life isn’t fair, but this, this is a giant, heaping load of bullshit.  I mean, I now have exactly 7 days to come to an agreement with her insurance company and buy a new car.  And why 7 days?  Because that is when her insurance company stops paying for my rental.

So, I’ve learned a few things in this mess that I would like to pass on to you, and I wish I could go back in time and pass them on to me too, but live and learn, I guess.

#1:  Gap Insurance–Now, some of you may have heard of this before, but until this mess, I hadn’t.  What gap insurance is is insurance that pays the “gap” in what is covered by insurance and what is owed.  So, in my case, insurance wants to pay $19K and I owe $22K…Gap Insurance would take care of paying the $3K “gap”.  Now, I’ve heard this could be a pretty penny, but you know, the way car dealers are these days, selling cars for so much more than they bluebook for, it’s probably worth it.


#2:  Car Insurance–Truthfully, I don’t know if I just have a bad company or I just have a fantasy view of what these people should actually be doing, but I really don’t see the point of it all.  I mean, I have had to deal with this whole situation alone.  My insurance company has not offered to help in any way, not even when I asked them.  All I was told was that I would have to take it up with her insurance company.  And you know, I feel like that is ALSO a load of shit.  What am I paying these people for if they are just gonna sit on their asses when I need help?  And before you ask, I’m not gonna tell you who my insurance company is, or who hers is…the last thing I need is someone suing me for libel and slander.  Anyways, I am just severely disappointed with the quality of services I have received.


#3:  Life isn’t fair, so don’t waste your time complaining when the world gets down on you–Through this whole thing, my issue has been the issue of fairness.  It seems to me that I shouldn’t have to do a thing in this situation.  I didn’t cause the accident, I wasn’t at fault, she was.  To me, it seems like between my insurance company and hers, they should deal with each other, deal with my car, and get me a new comparable car without any hassle to me.  I mean, I did nothing wrong.  Why should I be out $3,000 and a car when this other woman made the mistake?  I should be able to go on my merry way in a rental and come home one day with a new car sitting in my driveway waiting for me, like the whole thing was just a bad dream and never really happened.  But alas, it DID happen, and I have to pay the price for someone else’s dumb mistake.  And you know what?  That is how the world we live in works.  We are all paying for someone else’s mistakes in some way, and I guess it’s time we just learn to bend over and take it, because it’s a dog-eat-dog world, and even if you don’t get eaten, eventually, you’ll at least suffer a bite.

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