It’s going to quite around the house for the next few days because my wife is not speaking to me. She told me not to do something and I did it anyway. I had an accident with the band trailer on my way to a football game tonight. The route we took led us downtown Birmingham where they are currently working on the bridges that go through the center of town. It’s 5 o’clock traffic, it’s bumper to bumper and along some narrow streets. A lady and her brother were sitting at a traffic light in the left turn lane. I’m next to her waiting to go straight. The light changed, I move forward and I hear a long and loud horn blow. The lady pulls up next to me and tells me that I hit her car. Now, not only did not hear the crash, I didn’t see it either. I was not about to stop in the middle of the street and call the police to come and do a police report. But there was nowhere to pull over either. I drove for several blocks trying to find a place and all the while the lady was beside me in the turn lane trying to get me to stop. We finally stopped at a traffic light long enough for me to communicate to her that I was looking for a place to pull over. I finally found a parking lot big enough for me to pull into so we could exchange insurance cards and get a police report. Which we had to wait over forty-five minutes for the cop to show up.
The school has insurance on the trailer so therefore the school’s insurance will take care of the car that I hit. I was told that it would not go on my insurance but my wife does not believe this. And this is where the rub comes in. When I first sat down with these people to volunteer to haul the trailer, I signed a document stating that very same thing. Plus, if anything happens to the trailer or any of the contents I would not be held responsible. My wife did not want me to volunteer for this. In fact, she doesn’t want me to do anything outside the home since I retired. She always has some excuse for why I shouldn’t do it. I get paid $100 each time I haul the trailer no matter how short a run or how far. So far I’ve raised $800 and that’s pretty easy money.
As you can see there wasn’t much damage to the car I hit but still, I hit a car. My wife is worried that regardless of who pays for it, this will make our insurance costs go up. I haven’t had an accident in over thirty years and I really doubt our insurance will go up but I can’t get that in my wife’s head.
Our team is in the playoffs and they won their game tonight. Next week we travel again to another school but this time we don’t have to go through town to get there. Originally, this was supposed to be my final night but because they’re in the playoff’s we have yet another game to go to. This could be over an hour away so I’m not really looking forward to hauling the trailer that far. Is it a bad thing to hope they lose so next week would be their last?
From the photo, that doesn’t look like much damage to the red car, but from personal experience, I can tell you it’s going to be costly. They’ll have to replace and repaint the entire door, and anything else they think might have gotten misaligned. My most recent accident was totally the other guy’s fault (I was sitting still at a light when he rear-ended me), and even though it wasn’t chargeable to me, my insurance went up slightly. The company tells me that the increase was because my husband bought a new car, and not because of my accident, but I don’t believe that. The car he bought was the exact same car he had before, and he merely traded one for the other at the end of his 3-year lease, so I fail to see why rates would be any higher on the new car. I think my insurance company used his new purchase as their way of dinging me for my non-chargeable accident.
Tim Hughes Living with CML said:
I think insurance companies are the biggest scam artists around. You pay thousands of dollars a year and in most cases nothing happens and when something does happen then they want to go up on you. It’s ridiculous.