Story of the Month: Crazy Car Crash Part 2

StoryoftheMonth

Last month I shared the ordeal of a car accident I experienced several years ago. This month i thought I’d wrap up with a bit of fallout AFTER a car crash…the little things people don’t expect after dealing with trauma and the relief of “I survived!” has passed.

As I lay on the couch for a few days recuperating, I received a call from my insurance company. Apparently my agents, with whom my family had been associated for something like 25-30 years, didn’t do any investigating. They handed it off to a specific investigator who…never left the office. How one can determine the causes of a physical event like a car accident without actually visiting the scene or viewing the wreckage I have no idea. Imagine Sherlock Holmes calling up Sir Baskerville and asking, “Sooo…it was a dog of some kind?” But that is essentially what happened. Remember that person who asked “what happened?” as I was being loaded into the ambulance? Evidently that was the investigating policeman on the scene. Remember my response of “someone hit me?” THAT was recorded as my statement! The woman who rear ended me apparently cried and gave a long statement that I swerved in front of her and hit her. Despite all my damage being on the driver’s side of the rear of my vehicle, which made that claim virtually impossible…

I did actually speak to my insurance “investigator” once who said, “well we do have a police statement saying you swerved in front of her, according to the report your comments were very sparse.” The fallout from this was such that everyone in my family who had the same insurance agent called asking for SOME kind ofa assistance, and only heard “it’s with investigations now.” So despite 30 some odd years of patronage, no help was given. It eventually resulted in everyone in my family, including my grandparents who I think had them as long as they had insurance in this state, switching to a different agent.

In the end, the investigator never visited the scene, never saw the car, and from what I can tell, never really submitted a report. I do know the accident was declared “no fault” and this has led us all to believe the other driver must have had the same company as me…meaning they would be paying out someone…UNLESS it was no fault in which everyone paid their own…which how I got my next car…

Insurance Companies in Practice

So what are the life lessons here? Well number one is: it’s a MYTH that the person who rear ends you is always at fault! Number two is balance, I was in a car accident and looked bad enough that the hospital staff thought I’d been on a motorcycle instead of a massive, safe car. You can get away with nearly being squished, but that amy be as far as your luck goes when you try to put things back together that AREN’T your bones! And number three, Insurance is essentially reverse gambling. You pay a LOT of money over the years all in the hopes that you never have to cash out. They aren’t they for your protection or for yous benefit, they’re mostly there because it is safer to have them just in case of a catastrophe that you may or may not cause, than to not have them at all. Even if their willingness to help when you really need them is slim to none…

In the end this wasn’t a sad or bad story. I got lots of nifty scars, a good “worst car crash” story, and I always have good “here’s why I hate insurance companies” argument whenever it comes up. I’ve been a cynic my whole life, but this taught me extra caution when dealing with companies like insurance or traffic cops. There ARE very good ones out there…then there are the ones who are just barely making an effort. If nothing else it has helped post-graduation me NEVER be the kind to just barely make an effort. Who knows whose on the other end of your work…waiting for an answer only you can provide and hoping you’ve done the best you can.

And in the end it always come down to Wheaton’s Law no matter who you are, what your job is, or what you’re doing:

Wheaton’s Law

 

Leave a comment...

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s