February was totally stupid. The Mr. had a birthday that I can honestly say I can’t remember much of. The day before his birthday was quite memorable, though. The kids and I got into a car accident. Here’s the best part: everything has only been resolved and settled as of this week. Literally 10 weeks to the day. Ten. Fucking. Weeks.
A woman backed her car into me in a parking lot and tried to say that I hit her because she “has a backup cam so it couldn’t have been her fault”. Yeah, okay. She immediately called the police and wouldn’t say a word to me, which isn’t a bad thing. Most insurance people tell you not to talk to anyone. She hit on the passenger side where Josh sits so he took the brunt of the collision.
Speaking of collision, I forgot that I haven’t received the check for the damages for his physical injuries so FUCK I have to call Allstate again tomorrow. *angrily scribbles on to do list*
ANYWAY, here’s the aftermath:
She pulled out so fast that I didn’t have time to react. She hit square into the rear passenger door and the rear passenger quarter panel.
She fought hard to say that I hit her, but when the police came, he saw exactly what I saw–no damage to the front of my car. Unfortunately, I don’t have a car of the future so I can’t turn my wheels 90 degrees and slam into someone sideways. The police report can’t officially declare who is at fault because it’s private property but the explanation was “car pulled out of parking spot and struck driver’s vehicle” so that’s pretty much saying who was at fault.
This picture was to show that the doors no longer lined up evenly and when I drove, I could hear the wind coming in as if the door was not fully closed. I didn’t realize it until it rained but water leaked in everywhere on that side so the door was definitely not sealing correctly. I had to have Josh sit in the front seat which as all overprotective parents know is not where young children should sit! We did take Josh to the urgent care because his elbow was hurting; thankfully he was fine–just needed ibuprofen and rest.
My car is old; 2005 and was the very first car I bought by myself (like an adult!) and it was new. It’s been my reliable workhorse forever, but the bad part about that is they no longer make this vehicle. Saturn stopped production and when I need parts, I have to get them used or pay an exorbitant amount of money. So Allstate, the other lady’s insurance, was of course trying to do everything as cheaply as possible. Their estimate was literally $1,000+ less than my repair guy’s estimate. When I had my car assessed by Allstate, the guy was super nice and explained everything very clearly, and how if there was more internal damage, the shop would have to contact Allstate and have them pay for it. He even cleaned off a big paint streak that I got on my car before the accident but that is another story entirely. They gave me cash for their estimate and I was on my way.
Allstate provided a rental, but the main adjuster was such a fucking piece of shit to me every step of the way and I am still not done with her. They don’t issue rentals mid week; usually only on Monday or Tuesday because god forbid I use the cheap rental over the weekend. I had to schedule my car repair to start on a Monday so I could get the rental and since I know this person was either inexplicably vengeful or simply utterly inept at their job, I called Allstate to double check and make sure I was able to get the confirmation code for the rental.
Nope. No rental for me! I spent half of my drive to the repair shop trying to get this taken care of so I wouldn’t be stranded with the kids. I got it worked out, buthe original time frame for the rental was 3 days.
It took 3 weeks to get my car back from the repair shop. 3 WEEKS HOLY BALLS.
It wasn’t the repair guy’s fault. Allstate refused the repairs over and over and over and even sent their own inspector out again. He was there for 5 minutes and said APPROVED. There were multiple incidents of this. My rental was cancelled by Allstate on April 20…but they didn’t tell me or Enterprise about it. Enterprise found out on the 24th and they contacted me. So I had to go back and forth and back and forth with Allstate again. I ended up having to pay $124 out of pocket for the rental which Enterprise quickly and courteously refunded. I’m so impressed with their service I’m going to write a letter to whoever needs to get it. They were fantastic.
So basically this has been an entirely shit process and I would advise anyone to stay the hell away from Allstate as an insurance provider. I can’t believe this stupid thing still isn’t over.