Monday, January 21, 2008

Damages

The number is in. $1400 for the original estimate (which means it can only go up from here, right?) What's worse? My deductible is $1000. Oh... and they seem to think it will take three weeks to repair. Three weeks. Can I really ask for rides to and from work for three weeks? I feel like a pathetic leech.

Yep. I think I'm going to crawl into a hole and die now... or maybe I'll become a heavy drinker. Wait. I can't afford to be a heavy drinker. Okay... so crawling and dying it is...

11 Comments:

Blogger NPR Junky said...

Oh, honey. I'm so sorry. Have you thought about a) changing your deductible or b) changing insurance companies?

January 21, 2008 9:12 PM  
Blogger Alex said...

Does your insurance include a rental car? If so, no worries about the length of time it takes to fix.

As far as the drinking is concerned, I have an extra 40oz King Cobra from the weekend... sounds like you could use it more than me.

January 21, 2008 9:44 PM  
Anonymous JJT said...

Once the accident happens, she can't change her deductible with the estimate in hand. She can change it, but it is going to do no good after the fact. In most cases, the rental car is going to be at a reduced rate and/or not for the 3 week period Charissa is going to need it.

I speak from experience as to a minor accident I had with my old car. Prior to my current car, I was rear-ended on the way to the dealership.

Would it be easier to get the car totaled or has your insurance company prevented you from doing that (or is your car too new to do so)?

I would offer the use of my car, given that I don't use it all that often with my "commute." Granted, I don't know your commute, though.

This sucks, to be sure. It could be much worse, though. So, in some respect, there is a silver lining. If you drink more, though, that lining gets much shinier.

January 21, 2008 10:12 PM  
Blogger jpb2525 said...

wow. I am so sorry - I would challenge you to change your deductable to 500.00 on your next renewal if you can ...considering your driving record up to this point, it shouldn't be that much more per month. Check your policy for rental agreements - also if you have AAA they sometimes have a supplemental rental agreement too.

January 21, 2008 10:26 PM  
Blogger Jodi said...

chin up...

January 21, 2008 11:05 PM  
Blogger Malnurtured Snay said...

Wow, time to change your insurance deductible. If your insurance doesn't include a rental, it's absolutely time for a change in your provider.

I pay about $140 a month in insurance. My deductible is $500 and if I'm in an accident, I get up to 30-some days with a rental per year. Given that I've been in a couple of accidents (yeah, mostly deer, but an at-fault or two), and you've just been in one, your insurance should be considerably lower than what I'm paying (I actually have my insurance with an Ohio company). If you'd like, I can put you in touch with my broker.

January 22, 2008 12:21 AM  
Blogger jwer said...

Given that the check engine light has been going on and off in my car for a month or so, I won't offer its services, but I will happily buy you a drink or two next time I see you.

And as someone who carries a high deductible as well, I say don't worry about changing it. I mean, this is the first accident you've been in, right? Higher deductible = more money for beer.

Well, now that I've made my priorities clear...

January 22, 2008 8:38 AM  
Blogger danielle said...

Ouch! With the high deductible, you've been paying less as you go, but a lot right now. With my schedule, I can't help you with your commute, but if you need to get anywhere after work/weekends, let me know. I also have two beers in the fridge with your name on them.

January 22, 2008 10:55 AM  
Anonymous Anonymous said...

I hope things get better for you, hun! This really sucks, If I could help you out I would...
Love,
Annie

January 22, 2008 1:00 PM  
Anonymous Anonymous Ann said...

Ouch, indeed! Sending you a cyber beer...

January 22, 2008 10:33 PM  
Blogger Summer said...

I had a good driving record... and then the reality of living in the city caught up to me. Change your deductible to $500 and then add rental coverage. My rental coverage added $15 to my 6 month policy. Seriously, it's worth looking into. I hope your next accident is light years away, but living in the city means lots of cars that can crash into you... and 'no-fault' doesn't always mean someone else will pay.

January 25, 2008 11:27 AM  

Post a Comment

Links to this post:

Create a Link

<< Home