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I Was In An Accident

July 18, 2011 by Lulu in Finances with 16 Comments


I am okay physically but I was just shaken up mentally and emotionally last week when I got into an accident. I was driving along a quiet road about two weeks ago when a driver on my left side swerved into my lane and hit my car.

I did not sustain any injuries but my car did get dented and scraped up a bit so it was at the mechanic for a few days while it got checked out and fixed. The other driver did not have insurance so even though the police determined it was HER fault the damages to my car had to come out of MY insurance.

IMG053 300x225 I Was In An AccidentI was really upset about that because I had to take the deductible out of my Car Fund which was really going towards me saving up for my Lexus.

Total repair cost: $983.17

Deductible: $250

I am happy that I have good insurance and I was covered under the uninsured motorist portion because otherwise my insurance would have denied my claim and I would have had to pay the full cost of the repairs on my own.

I am REALLY annoyed at the circumstances of the accident because I was not speeding, I was minding my business and if the other driver had just slowed down then she would not have had to swerve into my lane to avoid rear ending the person in front of her who was trying to turn left.

I was able to get a rental car at no additional charge from my insurance company for the duration of the repairs (5 business days) so I was not inconvenienced by that aspect of it at all.

This all just goes to show that even when you are being careful things can still happen that are beyond your control. It took a couple of days for me to get over being angry at the person who did not have insurance but I am over it now, especially since I realize that I could have been physically hurt if things had gone worse than they did.



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16 Comments

  1. SabrinaJuly 18, 2011 at 8:03 amReply

    How scary :<(
    Glad to hear you're ok.

  2. Money BeagleJuly 18, 2011 at 9:33 amReply

    Glad you were alright.

    I remember years back I got in an accident because someone ran a stop sign. Although my insurance waived the deductible because the accident wasn’t my fault, I had to pay almost a grand because of having to rent a car, and having no idea about rental car insurance.

    • LuLuGalJuly 18, 2011 at 11:20 amReplyAuthor

      Wow that is a lot of money to pay out for your accident. I have rental reimbursement insurance but they opted to just pay for the rental instead of me paying for it and them reimbursing me to make it easier.

  3. Super SaverJuly 19, 2011 at 10:36 pmReply

    Glad you were OK.

    I have one small comment. Your uninsured driver insurance didn’t cover your damaged car. Your own collision (with deductible) covered the cost. Uninsured drive insurance typically only covers medical costs that aren’t covered by other insurances. Essentially, it is a secondary insurance for medical costs.

    Most people believe that uninsured driver coverage covers damage to one’s car. I did too, until some told me differently. When I read my policy I learned he was correct: no collision repair coverage.

    • LuLuGalJuly 19, 2011 at 10:47 pmReplyAuthor

      I was told specifically by both representatives that my claim was processed under the uninsured motorist. If it had been processed as collision then I would have had to pay a $500 deductible.

      Having the claim processed as uninsured motorist was what allowed them to charge me the deductible of $250. Of course they had to try to file it as collision FIRST and then when the claim was denied because the other driver was uninsured….it was then processed as uninsured motorist.

      Also, on my policy it states that the uninsured driver insurance pays for damages caused to my vehicle from a hit and run driver or an uninsured driver.

      Thanks for the information though!!!!

  4. tireJuly 20, 2011 at 3:20 amReply

    Thats really unfortunate to hear, I dont understand how there are people driving in this country with out insurance. Its a shame that is the case. I had a friend who was hit by an uninsured motorist, it totaled his car and he had to purchase a new one. My dad also got hit by an uninsured motorist two years ago, and last year my mom also got rear ended by an uninsured motorist. In all cases nothing major happened to the uninsured motorists. Its a shame honestly.

    -Jean

  5. Property MarbellaJuly 20, 2011 at 4:34 amReply

    Unfortunately, approximately 30-35% of all vehicles in Spain are uninsured and not inspected; this is a big problem if it happens to you some things in traffic. I hope that everything resolves itself for you.

    • tireJuly 21, 2011 at 2:38 pmReply

      Is it a requirement for drivers to get auto insurance in Spain? If so that 30 to 35 percent statistic is quite alarming! Last I heard its somewhere around 10 percent for my state for uninsured drivers.

      -Jean

  6. Richard BrownJuly 21, 2011 at 11:34 amReply

    Sorry to hear about this. It’s sad that some people don’t have insurance and drive recklessly causing others to pay for it. I’m glad that you are okay though.

  7. Laptop BriefcasesJuly 21, 2011 at 12:38 pmReply

    Sorry to hear about your accident Lulu. It sucks that you still have to pay for someone else’s mistake. There does seem to be quite a problem with US drivers not getting insurance. Here in Vancouver, Canada auto insurance is handled by the government. So it is quite rare that you hear about people getting into accidents without insurance.

    • tireAugust 4, 2011 at 12:20 amReply

      Is there a private option for insurance there in Canada?

      -Jean

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    […] I Was In An Accident Reduce Your Debts Subscribe to my Feed (RSS or Email) […]

  9. body scrubJuly 29, 2011 at 6:45 amReply

    very sorry to hear that, some people have the least driving sense, the thing is that in spite of them knowing that they can’t drive, they do that and get other people, in danger. And the worst part is it is the victim who ends up paying for the damage as in your case., but you are smart guy to have such policy, but others are not so smart.

  10. fazal mayarAugust 1, 2011 at 3:52 pmReply

    oh thats horrible, im happy to see you are okay, its all that counts after all.

  11. Sourish @ Iphone 4 jailbreakAugust 2, 2011 at 5:46 amReply

    oh that was bad and totally unexpected . im glad that you are safe and well

  12. Monthly Financial Check Up: July 2011 | How I Save Money.netAugust 2, 2011 at 8:53 amReply

    […] me and I came out $312.13 in the red when it comes to cash flow. Part of this shortfall was due to being in an accident and having to pay the deductible on my own because the other driver was […]

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