So here's what happened...
I had turned onto a side road (called Commerce Dr) and was speeding up when I saw the lady in the Jeep pull up to a stop sign about 50ft ahead of me on my right. It had just started to rain again (it had been raining on and off all day). I saw her look left (toward me) and then look right, and then she started to creep out. I was about 20ft away from her by now (going about 25MPH...posted speed limit is 30, but I drive an old car that takes a bit to speed up) and thought that she would look back my way and see me, and stop. No such luck. She didn't look my way and pulled out right in front of me. I slammed on my brakes (yay for no ABS!) and had nowhere to go to avoid hitting her, as she was just about completely across the middle of the road (it was swerve left and hop the curb into trees, a sign and a fence, swerve right and hit her on the back end, or stay straight and hit her right on the front driver's side tire). I basically hydroplaned 15ft into her front tire at 30MPH (I say into her tire because my car sits so low). I threw my car into reverse after I hit her, backed up a couple of feet, threw it in park, and got out to make sure she was ok. Her husband was at the car dealership on the corner (about thirty yards away) picking up their truck from service and heard my tires squeal and the impact (but didn't see anything...that's important for later on). He came running and, after making sure we were both OK and the cars were at least drivable to get off the road, had us pull into the dealership and called the police. The lady was cited by the police for failure to yield and I was allowed to leave after the accident report was filled out because my car was drivable. My heavy-duty fiber glass bumper is cracked/broken on the driver's side, the headlight bevel is broken, my left turn signal is sitting in my back seat, as
So, on Tuesday, I called my insurance to file a claim. They instructed me to call the lady's insurance because she was found at fault. So, I called her insurance the next morning (Wednesday...also my first day of work at my new job) and filed a claim. The nearest adjuster for her insurance company was two hours away, so the soonest they had an appraiser up my way was Friday (yay for living in a small town!).
I do have to say here that I am thoroughly impressed with Allstate, her insurance company. They have been so nice, helpful, thorough and fair. And that goes for all of the people I've dealt with, from the initial call to the claims center to the adjusters.
So, the inspector came out Friday before I went to work (was very accommodating about making sure he was at my house and done before I had to be at work that afternoon). Right away he said that they would probably be totaling my car, which was no surprise. He couldn't even find parts for it. Lol. So anyway, he said he'd call me before Monday evening to let me know how much they would give me for my car, assuming they accept liability. True to his word, he called me Monday evening to let me know that they were going to give me $2200 for my car (surprising since I only paid $875 for it).
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