I have a bit of time today (ok, so I'm procrastinating on doing other stuff I should be doing ….)
So in addition to the yardwork drama of this past week, we had some additional drama. I'm not sure exactly how this is going to play out.
It may turn out to be nothing more than increased premiums, or it could be really, really bad.
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My DH got into an accident while out on a delivery this week.
He was making a right hand turn, and at the same time a bicyclist started crossing.
The bicyclist got taken away in an ambulance - but only had apparent injuries to her knee.
DH doesn't want to attempt to report this to the owner's insurance because he's afraid the owner will get angry and fire him for being a pain. Apparently no other driver has attempted to report accidents on the job for a similar reason.
When DH got in the fender bender last year, I didn't try to push it since it was minor and no injuries. This time though there are injuries.
He only keeps $50k liability limit on his cars.
I'm having nightmares of all our assets vanishing.
I called my agent about umbrella insurance, but was told they couldn't do it with an open claim (not surprising) and we'd both have to up our liability limits.
So .. all I can do now is pray that this lady is not litigious, and that $50k will cover her injuries.
I'm also hoping that DH doesn't have another claim anytime soon - because then he might lose his insurance!
2nd entry
September 2nd, 2018 at 07:49 pm
September 3rd, 2018 at 07:40 pm 1536003653
September 3rd, 2018 at 08:03 pm 1536005025
September 3rd, 2018 at 09:35 pm 1536010557
September 4th, 2018 at 02:47 am 1536029265
September 4th, 2018 at 10:45 am 1536057911
September 4th, 2018 at 07:15 pm 1536088541
September 4th, 2018 at 08:10 pm 1536091851
I don’t know what he plans on saying about it.
His job is almost half our income. So definitely not unimportant or inconsequential. And not easily replaced for a number of reasons.
September 4th, 2018 at 08:14 pm 1536092090
September 5th, 2018 at 04:38 pm 1536165488
A fender bender is very different than an accident with a victim in an ambulance. Insurance companies do not want to take on a liability that they don’t have to, they will investigate this. So will the ambulance chaser lawyers.
I was a witness to this exact type of accident. Cyclist appeared to have only scrapes and refused the ambulance. Two years later I was in court as a witness. Hundreds of thousands of dollars of medical bills and liability were at stake.
Whatever decision you make, be prepared to live with it for a long time.
September 5th, 2018 at 08:47 pm 1536180472
September 6th, 2018 at 02:54 am 1536202448
After talking tonight, he has said he will talk to his insurance tomorrow and see what they think. He thinks I'm being a worry wart, and is only doing this to ease my mind.
Kashi,
Thank you. I hope so too.
To add to everything, Kari has *another* UTI. This means I get to make a 2 hour round trip drive tomorrow to the cheap vet clinic to pick up more meds for her. And DH is going to have to deal with giving her the meds while I'm gone … My being gone isn't going to help her stress levels any - which I think is THE main contributing factor to her recurrent UTI's.
Oh, and I got a call today from one of the applications I put out. I got through the first question and was politely declined - since I wasn't available Saturdays. They needed someone Saturday - Wednesday. Ugh. It would've paid $2+/hr more. to start. To make it more interesting - I got the call while eating lunch in the breakroom with my now direct supervisor. Err...
September 7th, 2018 at 11:01 pm 1536361304
September 15th, 2018 at 06:48 pm 1537037333