The Horse Forum

The Horse Forum (
-   General Off Topic Discussion (/general-off-topic-discussion/)
-   -   Frustrated with people...need to vent (

DraftyAiresMum 09-04-2013 10:52 PM

Frustrated with people...need to vent
Ok, so last Monday (the 26th) I was in an accident. Thankfully no one was hurt (other than some minor lower back pain on my part that's resolved itself), but the damage to the vehicles was pretty bad. I drive a 1983 Ford Thunderbird, which is a little mini tank, and I was able to drive away from the accident. If I'd been driving a newer car, I think it's safe to say that my car would have been toast. The lady I hit was driving a 2002 Jeep Grand Cherokee and her car was not drivable after the accident.

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).
Posted via Mobile Device

DraftyAiresMum 09-04-2013 11:15 PM

Gah! Stupid phone!

Here's the rest of the story and why I'm irritated.

So then I get a call yesterday morning from the adjuster. She asks me to describe the accident and asks me a few general investigative questions, apparently comparing my answers to the police report. After we're done, she says that she was having a hard time getting a hold of the other lady. She said she got a hold of the husband, but that the lady was a preschool teacher and the husband said she'd be impossible to get a hold of. I questioned her talking to the husband since he hadn't witnessed the accident. She was surprised by that because apparently he had told her that he had seen the whole thing. She also seemed irritated that the lady hadn't gotten back with her, even though she'd called her four or five times. My boyfriend thinks that the husband told the wife not to talk to the insurance company and that he'd handle it. Having met the man, I'm inclined to agree with my boyfriend.

So, here I sit in a car that is not only irreparably damaged, but that could get me pulled over and cited at any time because I'm missing a turn signal and a headlight (the headlight is actually sitting in my back seat cuz it was about to fall off). What happens if the adjuster can't speak with the lady? Am I stuck?

For what it's worth, the adjuster said that barring any major problems, they will be accepting full liability because my account of the accident was almost identical to that in the police report.

Cookies for reading and sorry for the stupidity of my phone.
Posted via Mobile Device

Chevaux 09-04-2013 11:24 PM

Do the police know the husband supposedly witnessed the whole thing?

DraftyAiresMum 09-04-2013 11:30 PM


Originally Posted by Chevaux (Post 3552769)
Do the police know the husband supposedly witnessed the whole thing?

From what I heard when the police were taking the report, he told the police that he hadn't seen the accident, but had heard my tires squeal and the impact. He also told me while he was looking at the damage to my car (the police were speaking to his wife) that he hadn't seen anything, he had just heard the tires squeal and the impact.

His words to me were "Yeah, I didn't see anything, all I heard was your tires scream and then the crash when you hit her."
Posted via Mobile Device

tinyliny 09-04-2013 11:35 PM

It'll work out. you'll get 2200 and make your car ok. I know it sounds cliche, but I think it just takes a bit of time. Glad to hear you are ok, though. cars can be fixed, people are harder.

DraftyAiresMum 09-04-2013 11:39 PM

I'm not gonna keep my car. It's not worth keeping, as it has engine problems (stuck lifter among other problems) and is just a heap of junk. Most people wonder how it even starts, much less gets me to work and back. Lol.

I just want to be done with this and I don't get why these people (not the insurance company) are trying to drag it out. I've dealt with insurance companies three times and two of those times my car was either in the shop getting fixed or I had a check in my hand for the damages within a week.
Posted via Mobile Device

Dreamcatcher Arabians 09-04-2013 11:40 PM

One thing you can do is to have YOUR insurance company take care of YOU and then go back on the Other Driver's Insurance to get themselves reimbursed. It's done all the time. If my insurance had told me to go to the other party's insurance to file/settle the claim, I'd be cancelling my policy, if they aren't working for me, I don't need them.

DraftyAiresMum 09-04-2013 11:44 PM


Originally Posted by Dreamcatcher Arabians (Post 3553057)
One thing you can do is to have YOUR insurance company take care of YOU and then go back on the Other Driver's Insurance to get themselves reimbursed. It's done all the time. If my insurance had told me to go to the other party's insurance to file/settle the claim, I'd be cancelling my policy, if they aren't working for me, I don't need them.

I only have liability on my car (the minimum the state of Arizona requires) because there is absolutely no point in spending $100+ per month on full coverage insurance for a car that is not worth anything (and is unfixable because parts can't be found). So, my insurance company can't do anything for me.
Posted via Mobile Device

Roperchick 09-04-2013 11:45 PM

im pretty sure they'll still follow through with the claim and youll get your $$ and they'll take the car even if they cant get hold of the lady.

I had the same problem. when I was rearended at a stoplight the guy told me his "foot slipped off the brake" I was in my escape and he was in a little audi. my back bumper had paint scraped and it hung off the frame about 2 inches and Hawaii is a no-fault state.

well they couldn't get hold of him but I had the info from the police report and filed a claim with both my and his insurance and they (his insurance) still fully cooperated and got my car fixed ecen while they were still trying to track him down.

my advice would just to be patient....stick with it and keep track of it all call them periodically to make sure things are still rolling.

hope things work out for you quickly!

DraftyAiresMum 09-04-2013 11:48 PM

It doesn't help that I've been extremely irritable lately, so this is not helping. Lol. I'm definitely not irritated with the insurance company. As soon as I can afford to go with Allstate, you can bet that I'll be going with them (unless my boyfriend goes with USAA once we're married). They have been great. I'm just frustrated with the other people involved.
Posted via Mobile Device

All times are GMT -4. The time now is 02:54 AM.

Powered by vBulletin® Version 3.8.8
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
vBulletin Security provided by vBSecurity v2.2.2 (Pro) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.
User Alert System provided by Advanced User Tagging (Pro) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.

For the best viewing experience please update your browser to Google Chrome