March 5th, 2004
|jimbojones||05:31 pm - My back hurts, dammit.|
Some jackass rearended me doing like 25mph *at the time of impact* while I was at a stoplight today.
Amazingly, the indestructible Neon is virtually unmarked - there's a scuff on the bumper rubbermaid, and the license plate is crumpled to FUCK, but nothing's cracked or broken.
The impact was hard enough that it kinda blacked me out a little, and slammed the car about ten feet forward when the guy plowed into me.
The perpetrator's EXACT words to a passing fire department sedan, inquiring if I needed assistance in getting police out there: "oh it's okay, we just bumped into each other." I stared him down cold and said "we did not bump into each other, you rear-ended me." He dropped his eyes to the ground and mumbled "I, uh, rear-ended him." I think he was half-afraid I was going to beat his ass right there in the middle of the street, fire-department guy and all. (I also think a little fear on his part might have been a healthy thing at that point.)
I totally wanted to stick him with the traffic points and the fine and the insurance hikes, because goddamn, he hit me hard enough to make me black out. But there really wasn't any damage worth speaking of to my Neon, although it did probably $750-$1000 worth of damage to his truck - crushed and mangled the hell out of his bumper; probably the whole front clip will need to be replaced as well. (Truck vs Neon - who expected the NEON to deliver the ass-beating there?) And I totally didn't have two hours to spend standing in the middle of the street dealing with cops, and no matter how not at fault you are, your insurance always goes up if you're involved in a claim in any way, in my experience. So I settled for tearing him a new asshole and letting him go.
Current Mood: pissed off
Current Music: Cake - Stickshifts and Safetybelts
In 2000, I had an accident where a gimpy-ass deaf old guy drove right into the side of a company truck I was driving. Totally his fault; I was blowing the horn at him the entire painfully slow time he was changing lanes directly into the spot just aft of my driver's side door. My company did not file a claim with their insurance; they just drove the truck as-is after receiving the check from his insurance company.
Less than a year later, when I changed my address of record to reflect my move to Columbia, my insurance went up $70 a month because of the new accident Equifax's driving record service discovered correlated against my SCDL number. My insurance agent TOLD me, straight up, that that was why my rates went up - in spite of the fact that no claim was made against me, and the accident was not charged as my fault.
Three years later, my car was broken into while parked and my stereo stolen. I didn't bother claiming the stereo itself against my insurance, because the deductible came within $150 of the replacement cost of the stereo - so I just sucked up the stereo replacement, and only filed for the glass replacement for the window which was bashed in in order to steal it. Guess what? In spite of the fact that I DIDN'T hit up the insurance company for the stereo, only for the glass, MY INSURANCE WENT UP AGAIN. And before you tell me "your insurance company just sucks", I should tell you that this pissed me off enough that I shopped them (Allstate) to three competitors, and ALL THREE competitors actually came in HIGHER. (I am now paying $670 every six months for minimum full-coverage on a 2000 Neon, as a 32 year old single male who hasn't EVER had an at-fault accident in his life, and has had only two claims described above on his record within the last TEN YEARS.)
"Straighten out" all you like, but I'll be damned if I'll EVER trust an insurance company. As far as I'm concerned, it's a protection racket, and the best way to deal with 'em is to pay them absolutely as little money as possible, and have the absolute minimum of contact with them. Unless I stand to collect over six months worth of premium in payout from them, FOR SOMETHING I NEED, I'll be damned if I'm going to bring myself to their attention - it just costs me more in the long run.