Bump
We went to my parents’ on Friday night and watched a movie with them. We left rather late and I forgot my purse with my driver’s license and all that in there. Well on Saturday we were going to pick it up and decided to take my car. Since I didn’t have my license husband drove, just to keep things safe.
We stopped at a small shopping center and ate a veggie sandwich. After we were done I told Husband that I wanted to look around at the front of the stores but he was not up to it and said we could do it another time. So fine, we got in the car he backed out.
*bump*
I heard the somewhat loud and flat thud and quickly looked back to see the car behind.
Damn.
We spent the next hour and a half talking to insurances and exchanging information and all that. I looked at my Husband and I told him “I asked for one look around the store fronts... just one. That would have been at least 5 minutes and we would have missed that car.” Then again, maybe it would have been another vehicle right? Maybe it could have been an accident in the road. But then, maybe not.
Poor Hubby, he was pretty ashamed.
The owner of the other vehicle took it well. Did not get upset or anything. Neither did we. 1) Husband did check back to see that no cars were coming but did it quickly and only once. 2) The car was not passing by when Husband started moving and he was going more than 10MPH in the parking lot. I guess in this situation, the rules goes: the one with the right of way is the one not at fault, so all of us agreed on that. The situation was tricky and we weren’t going to do a big deal on little details. My car has the corner of the bumper dented in, and the other car had the back, right passenger door pushed in where the bumper hit.
My car, a Chevy Malibu, was a present from my parents to me and I am the only one on the insurance. The car’s insurance covers the damage done to the other car (which happened to be a Mercedes, by the way). My Husband’s policy covers him in and Any car he may be driving (awesome), so his policy covers the damage done to my car. No deductible necessary.
If Husband would have been in the Malibu’s insurance, then the car’s insurance would have covered the damaged done to the other car, and then I would have had to pay my $500.00 deductible to fix the damage done to mine. I guess at least we saved those 500 bucks. Also, Husband’s policy will not go up because he has been a client with the company for like 10 years or so and this is his first accident where he has been at fault. He actually has bad luck when it comes to cars... people are always hitting the rear of his vehicle, trying to steal his cars (he used to drive sport cars when I met him and once in the actual dealer’s shop, someone tried to steal his Cougar!), or the worst was when there was a police chase and a stolen vehicle was running signs and reds and ended up crashing my husband pretty badly, totaling his brand new vehicle (Horrible, horrible. Husband survived out of miracle. The car looked like an accordion and pieces were everywhere).
So well, I’ve got an appointment tomorrow, Tuesday, with the adjustor and he’ll issue me a check so I can get my car repaired. It was only the bumper, so just that piece will get changed so hopefully by next week my car will be looking as new as it was.
... And I am not letting my Husband drive my car any more.
3 Comments:
The $500 deductible only applies if there's more than $500 dollars worth of damage... at least, that's how it works at my insurance company. So if it were less than $500 dollars, it comes straight out of our pockets.
Remember when I got vandalized about two summers ago? I never got my deductible back because the stupid idiot got tried as a juvenile. It was over $1000 worth of damage to my car alone.
Well we have an overall $500 deductible for damages. If the damage is 200 and we go thru the insurance the deductible is 500, so then it's best not to go via insurance. It has happened before to me. I used to have an Endeavor and the back window was broken (like totally, galss everywhere, etc). I did not involve the insurance because it was like 200 something to replace the window.
In this case, since it wasn't my husband's car, his policy covers mine and no deductible is necessary. Just like the other person doesn't need to pay anything to get his car fixed either.
My car got nailed pretty decently 2 years ago. Cost em 3,000 dollars to fix it.
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