Well, it finally happened to me. On the way back from Hilton Head, I had an accident that totaled my car -- the car that was paid for and I had planned on driving until the day I died.
Traveling on William Hilton Parkway, another car simply showed up out of nowhere and I T-boned it. The sheriff’s department wrote up the report showing I was not at fault. It has always been my impression that when it was not your fault, you are supposed to be put back into the position you were before the accident. HA!
My Durango had to be towed and the insurance paid for that. I apparently hit my hand on the dashboard and, at first, they told me I had a fractured knuckle. Turned out it wasn’t broken, but it sure did aggravate the arthritis I already had in that hand. The wreck was a month ago and it still hurts. However, I have been assured that all medical expenses would be reimbursed. That is, after filling out a hundred forms and finding out tax numbers, injury numbers, detailed events that led up to the accident and, especially, all the receipts from monies I paid out from my own pocket. Seems normal, except that every time I send in the information, they send a form back to me because something is incomplete.
Then there’s the car itself. The insurance company is giving me $6,000 for it, even though it was in perfect condition and I have never had any trouble with it. In a way, I can understand that because it was a 2002. Still, that left me with buying a new vehicle. I found one I loved, a used one, low mileage, easy to drive and easy for me to get into.
Now, instead of being put back “into the position” I was before the accident, I have a $300 car payment. That just doesn’t seem fair. Like most seniors living on Social Security and Jay’s retirement, I have been on a budget. That budget has been shot to hell (excuse my language but I’m still very upset about the entire situation) and, according to all the “experts” I’ve talked to, there is nothing I can do about it.
If I were younger and in better health, I’d run for office. Don’t know what seat, but I would definitely try to put into action some type of law that really would put you back to where you were before an accident, especially since you were not responsible and had done absolutely nothing wrong to deserve a car payment all of a sudden.
Some of you might be laughing at me right now. Please don’t. This has literally changed my life. I’m sure there are readers that have been in the same situation. Are you still stuck with a car payment, or have you found a way out? Congratulations if you have. Sympathies if you haven’t. I’ll keep you informed but doubt that anything will change for me; therefore, I will continue with my pity party until further notice.