cathyr19355: Stock photo of myself (Default)
posted by [personal profile] cathyr19355 at 10:44pm on 01/11/2006 under , ,
Don't be fooled by the suggestive title; this entry is "worksafe."

I was driving to a court hearing on Monday afternoon. It was a beautiful day. Sunny, warm, bright, with hints of autumn color showing in the trees.

I was stopped at a traffic light in a small town. Just as the light turned green and I was about to step on the accelerator to resume moving, I heard, or maybe I should say felt, a huge WHAM! that pushed me back against my seat. Fortunately, I was wearing my seat belt and my headrest was properly adjusted, so I suffered no injury.

What had happened, of course, is that my car had been hit by the vehicle behind me. A royal blue 2004 Ford Ranger SUV, to be precise, as I learned once we were able to navigate our way to a sidestreet where we could park and exchange insurance information. The driver was a woman about my age, and properly apologetic.

The car's driveability did not seem to be affected, though the taillight cover is now broken, and the right rear turn indicator no longer works (the rear taillight itself still operates, as do the remaining turn signal lights).

Her insurance company's appraiser came by this afternoon to assess the damage. His assessment: The car is officially "totaled," since it is a 1993 Suburu Impreza in only fair condition. He assesses its worth at about $1,700 which might, or might not, suffice to fix the damage.

So I can take the money, junk the car, and look for a replacement (supplemented with money [livejournal.com profile] esrblog has earned in recent consulting gigs). Or I can refuse the money and continue to drive the car in its obviously maimed state. Or, I can refuse the money, pay to fix the car out of my own pocket, and continue to drive the car. The appraiser hinted that I might be able to get some of the insurance money, get the car fixed and continue to drive the car by applying for something called a "salvage title"--but in that case I probably won't get the full $1,700. I believe that exhausts my legal options at this point. (I am not even considering illegal options, since I make my own living by advising insurance companies, and I do not intend to do anything that smacks, even faintly, of insurance fraud.)

Oh, and the effect on her SUV? So far as I could tell, not a scratch.

As for the hearing, I managed to arrive on time. The plaintiff never showed, so my client won by default.
Mood:: 'angry' angry

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