Tweet
Halloween morning I was driving to a friends house. It was drizzling a little and the roads were slick. The road I was on was four lanes with a grassy divider between the east and west bound lanes. Traffic was backed up in the right-hand lane but the left lane that I was in was clear. A large truck (4door Chevy k2500 pickup) pulling a trailer behind it pulled out from a side road through the stopped cars and directly into my path. This resulted in me slamming into the side of the truck at 45 miles per hour. Luckily the seat belt did its job and I was uninjured. Strangely the airbag did not deploy. The images below is the result.
I managed to call the friend I was going to visit and she came and sat with me until my husband could get off work and drive to where I was. The police showed up and did whatever they do and the officer just came over and gave me a card with his name, a case number and told me to call my insurance. Which I did. They called the sheriffs office for a copy of the report and it had not been filed and were told it should be ready in 24 hours. Early Tuesday afternoon I called my insurance and they contacted the sheriffs office again. Still no report. I called the sheriff later that afternoon only to be informed that the officer has five working days to fill out the report and he has the next two days off work. I should note here that I didn't have full coverage insurance on my car. I couldn't afford it and had to drop it. But I was not at fault in this the other insurance should cover me getting a rental. The problem being without the report I didn't know who the other insurer is. I didn't even have the name of the other driver. I called the Sheriff's office Friday afternoon thinking surely they would have the report ready by now... Nope I was wrong. The deputy had filled it out but they were waiting for the lieutenant to approve it. Grrrr! Their office closes at four in the afternoon and isn't open on the weekends. So that brings us to today. 1 week with no car but, success!!!! the report is ready! Huzzah, or so I thought. I drive to the police station and get a copy of the report. Call my insurance and get the fax number so I can send it to them. I call to confirm they received it only to be informed that it can take up to four hours for them to get it.
Dejected I go home and cry again. After pulling myself back together I read the report and search the internet for a contact number for the other insurance and call them. Keep in mind this is one week later and the other party had NOT reported the
accident to their insurance. They took down all the information from me and told me that someone would be in contact in 24 to 48 hours. I called my insurance this afternoon and they had the accident report and that is when they tell me that because I don't have full coverage they are now done with me. Wha??? I was obviously mistaken thinking that they would be the one's making the arrangements with the other company and twisting their arm to get me a rental and decisions for my car. So why the !@$#!@@#$ did I have to call my insurance at all? If they are doing nothing? Sigh fine! I get to deal with it all myself. Now I get to sit and wait again and still have no transportation of my own. I have to take and pick up my husband from work if I want/need to go anywhere during the day.
So, any advise on getting the other insurance to hurry up? I need transportation.
Also, any recommendations on a good insurance company because I will be leaving mine asap. I have been paying them money for at least seven years and they won't do anything to help me with communicating with the other insurance.
Oh one last final note, Insult to injury the truck took minimal damage, it was a company vehicle so the driver will not be facing any increase in insurance premiums (yes the company will) and the officer decided that even though he was at fault for the accident he wouldn't ticket him. So yea, my car is totaled, I have spent the past week with no transportation and he faces no punishment/penalty at all. How is that fair?
I managed to call the friend I was going to visit and she came and sat with me until my husband could get off work and drive to where I was. The police showed up and did whatever they do and the officer just came over and gave me a card with his name, a case number and told me to call my insurance. Which I did. They called the sheriffs office for a copy of the report and it had not been filed and were told it should be ready in 24 hours. Early Tuesday afternoon I called my insurance and they contacted the sheriffs office again. Still no report. I called the sheriff later that afternoon only to be informed that the officer has five working days to fill out the report and he has the next two days off work. I should note here that I didn't have full coverage insurance on my car. I couldn't afford it and had to drop it. But I was not at fault in this the other insurance should cover me getting a rental. The problem being without the report I didn't know who the other insurer is. I didn't even have the name of the other driver. I called the Sheriff's office Friday afternoon thinking surely they would have the report ready by now... Nope I was wrong. The deputy had filled it out but they were waiting for the lieutenant to approve it. Grrrr! Their office closes at four in the afternoon and isn't open on the weekends. So that brings us to today. 1 week with no car but, success!!!! the report is ready! Huzzah, or so I thought. I drive to the police station and get a copy of the report. Call my insurance and get the fax number so I can send it to them. I call to confirm they received it only to be informed that it can take up to four hours for them to get it.
Dejected I go home and cry again. After pulling myself back together I read the report and search the internet for a contact number for the other insurance and call them. Keep in mind this is one week later and the other party had NOT reported the accident to their insurance. They took down all the information from me and told me that someone would be in contact in 24 to 48 hours. I called my insurance this afternoon and they had the accident report and that is when they tell me that because I don't have full coverage they are now done with me. Wha??? I was obviously mistaken thinking that they would be the one's making the arrangements with the other company and twisting their arm to get me a rental and decisions for my car. So why the !@$#!@@#$ did I have to call my insurance at all? If they are doing nothing? Sigh fine! I get to deal with it all myself. Now I get to sit and wait again and still have no transportation of my own. I have to take and pick up my husband from work if I want/need to go anywhere during the day.
So, any advise on getting the other insurance to hurry up? I need transportation.
Also, any recommendations on a good insurance company because I will be leaving mine asap. I have been paying them money for at least seven years and they won't do anything to help me with communicating with the other insurance.
Oh one last final note, Insult to injury the truck took minimal damage, it was a company vehicle so the driver will not be facing any increase in insurance premiums (yes the company will) and the officer decided that even though he was at fault for the accident he wouldn't ticket him. So yea, my car is totaled, I have spent the past week with no transportation and he faces no punishment/penalty at all. How is that fair?
to you and your car, and a hope that things get sorted out quickly.
The representative contacted me, and did everything they could to help me out (rental, telling me what garages they had agreements with, ect), even though I wasn't with their company. Made me happy enough to switch!
Comment