(no subject)
I'm going to cut short my narrative about what happened after I hit the deer. Suffice to say, they towed my car, and the officer gave me a ride to work.
The next morning, I tried calling my parents, but only got their answering machine. I called Jim (my stepdad)'s cell phone and found out they were on their way to visit my step grandfather. I told them the situation and told them not to worry about me, at least for tonight.
I took a cab ride home, which cost me $24.00. It would have cost me $23, but she charged me an extra because I had to have her stop at the local convenience store so I could use the ATM to get some cash. And, as if the universe wanted to fulfill some kind of weird stereotype, I somehow got a cab driver for whom English was not their first language, weird, huh?
But that's all just the lead up to the cherry on this crap sundae. I put a call to my insurance, spoke for a bit to a messenger (they were closed on Saturday, so I had to talk to a messenger service). Then, hours later, I got a call from an agent at my house. Turns out, I do NOT have coverage for being hit by a deer. No, I only have Personal injury, Un/Under Insured Motorist, and Liability (for if I hit someone.)
So... I dunno. I'm currently out of a car. No clue if it can be fixed or not, and currently have only $46 in my checking account, I'm BARELY living paycheck to paycheck as is, and I still need to pay a towing fee (God knows how much that will be, as it was "after hours" and "out of town".)
Oh, and to top it off, I still have an insurance payment due at the end of this month.
I tell ya, life just loves to knock you down and then kick you a few times, huh?In fact, speaking of such, I remember just the past couple of weeks seeing TWO dead deer along the highway. Guess I should have taken that as a warning, but I guess unless you've ever hit a deer it's one of those things that you hear about but figure happens to other people, you know like being mugged or having a regular sex life.
I don't know... I guess it's my fault, I never really looked into my insurance policy or what it would or wouldn't cover. Actually, I never even picked my insurance company, my stepdad picked it, and they signed me up when I started driving and I just stuck with the policy assuming it was the best and cheapest. I've talked to some other people with car insurance and one guy said that his insurance agent calls them every three years to discuss their policy and talk about what is and isn't covered. Another said they found it odd the agent had never mentioned I wouldn't be covered under such a circumstance and try to convince me to buy more insurance. If someone had TOLD me I wasn't covered for deer hits, I would have considering purchasing more coverage, because that's NOT an uncommon occurrence for this area, but... (shrugs)
The next morning, I tried calling my parents, but only got their answering machine. I called Jim (my stepdad)'s cell phone and found out they were on their way to visit my step grandfather. I told them the situation and told them not to worry about me, at least for tonight.
I took a cab ride home, which cost me $24.00. It would have cost me $23, but she charged me an extra because I had to have her stop at the local convenience store so I could use the ATM to get some cash. And, as if the universe wanted to fulfill some kind of weird stereotype, I somehow got a cab driver for whom English was not their first language, weird, huh?
But that's all just the lead up to the cherry on this crap sundae. I put a call to my insurance, spoke for a bit to a messenger (they were closed on Saturday, so I had to talk to a messenger service). Then, hours later, I got a call from an agent at my house. Turns out, I do NOT have coverage for being hit by a deer. No, I only have Personal injury, Un/Under Insured Motorist, and Liability (for if I hit someone.)
So... I dunno. I'm currently out of a car. No clue if it can be fixed or not, and currently have only $46 in my checking account, I'm BARELY living paycheck to paycheck as is, and I still need to pay a towing fee (God knows how much that will be, as it was "after hours" and "out of town".)
Oh, and to top it off, I still have an insurance payment due at the end of this month.
I tell ya, life just loves to knock you down and then kick you a few times, huh?In fact, speaking of such, I remember just the past couple of weeks seeing TWO dead deer along the highway. Guess I should have taken that as a warning, but I guess unless you've ever hit a deer it's one of those things that you hear about but figure happens to other people, you know like being mugged or having a regular sex life.
I don't know... I guess it's my fault, I never really looked into my insurance policy or what it would or wouldn't cover. Actually, I never even picked my insurance company, my stepdad picked it, and they signed me up when I started driving and I just stuck with the policy assuming it was the best and cheapest. I've talked to some other people with car insurance and one guy said that his insurance agent calls them every three years to discuss their policy and talk about what is and isn't covered. Another said they found it odd the agent had never mentioned I wouldn't be covered under such a circumstance and try to convince me to buy more insurance. If someone had TOLD me I wasn't covered for deer hits, I would have considering purchasing more coverage, because that's NOT an uncommon occurrence for this area, but... (shrugs)