State Farm is trying to kill me I swear
I got an email this morning from Bridgecrest, the finance company that holds the lien on my car, that State Farm had declared my car a total loss. Not meaning it couldn't be repaired, just that the cost of doing so would exceed the value. JFC, that woman barely tapped a corner of my bumper going about 5 mph. Why are cars so fucking junky nowadays? My first car was a Honda Civic that my oldest brother relinquished when he moved to New York City. He'd driven it all through the latter years of high school and college; he'd received it from our father, who drove it for what feels like was most of my childhood.
So I immediately panicked and started compiling a mental list of actions I could take to raise enough for a down payment big enough so that my monthly payment wouldn't be an entire paycheck. GoFundMe! Selling art! Begging in Facebook groups! I am not too proud for any of these.
Once I calmed down enough I called State Farm, and the adjustor said, basically, "Psych!". Apparently the supplemental estimate was only for about $500, so it's still considered "repairable". I think the disconnect was because the body shop told me they have to remove the radiator and a couple other major parts to pound out a bend in the frame. Those parts aren't damaged and they'll put them back on, but they're in the way, and they'll need to charge some labor costs for it. And I think the State Farm estimator misunderstood that to mean those parts needed to be replaced.
So I've only been up for a few hours and it's already been a real fucking emotional rollercoaster. Hopefully this ends soon, because the accident happened 2 god damn weeks ago. Regardless, I'm going to start saving every penny for a new car, because the Jetta will be 10 years old next year and has now been in a collision. One that I thought seemed very minor at the time!
In other news, Jamie arrived last night and will be here until Monday. I don't think we're going to be talking about a nursing home for Phil, because I honestly think we're past that. For one thing, he's had a sore on his foot for weeks now that stubbornly refuses to heal. His doctor keeps trying different antibiotics and he has home health care for the dressing, but the reality is that this is how most diabetics eventually die if they're lucky enough to stay alive into their 80s. I don't think a nursing home would even accept him with such an obvious, life-threatening health issue.
We went through this after Hurricane Rita, when my grandparents' house was destroyed and they and my mother decided the best solution was for them to move into assisted living, something they had already been considering. My grandfather was 90 and had dementia and they almost didn't admit him. They only did so because my grandmother had no cognitive issues and would be helping with his care.
Wow, this is a fun entry! Here's some watercolors I've done this week.
So I immediately panicked and started compiling a mental list of actions I could take to raise enough for a down payment big enough so that my monthly payment wouldn't be an entire paycheck. GoFundMe! Selling art! Begging in Facebook groups! I am not too proud for any of these.
Once I calmed down enough I called State Farm, and the adjustor said, basically, "Psych!". Apparently the supplemental estimate was only for about $500, so it's still considered "repairable". I think the disconnect was because the body shop told me they have to remove the radiator and a couple other major parts to pound out a bend in the frame. Those parts aren't damaged and they'll put them back on, but they're in the way, and they'll need to charge some labor costs for it. And I think the State Farm estimator misunderstood that to mean those parts needed to be replaced.
So I've only been up for a few hours and it's already been a real fucking emotional rollercoaster. Hopefully this ends soon, because the accident happened 2 god damn weeks ago. Regardless, I'm going to start saving every penny for a new car, because the Jetta will be 10 years old next year and has now been in a collision. One that I thought seemed very minor at the time!
In other news, Jamie arrived last night and will be here until Monday. I don't think we're going to be talking about a nursing home for Phil, because I honestly think we're past that. For one thing, he's had a sore on his foot for weeks now that stubbornly refuses to heal. His doctor keeps trying different antibiotics and he has home health care for the dressing, but the reality is that this is how most diabetics eventually die if they're lucky enough to stay alive into their 80s. I don't think a nursing home would even accept him with such an obvious, life-threatening health issue.
We went through this after Hurricane Rita, when my grandparents' house was destroyed and they and my mother decided the best solution was for them to move into assisted living, something they had already been considering. My grandfather was 90 and had dementia and they almost didn't admit him. They only did so because my grandmother had no cognitive issues and would be helping with his care.
Wow, this is a fun entry! Here's some watercolors I've done this week.