Do you believe in Karma? - November 9th, 2005 at 09:48 AM
Okay, so about 3 weeks or so ago, I got rear-ended in a hit and run. I got the person's license number, but none of the witnesses were willing to admit they saw it. After the adrenaline wore off, I remembered I had a toddler with me and was pregnant, and I started to notice my neck was sore, so we turned around and went to the hospital and got checked out. I spent a few hours in "labor and delivery" hooked up to a monitor, and my husband had to leave work to take my son to urgent care to get checked. Then I spent another hour and a half filing a police report, after which the cop told me they wouldn't do anything because no one was hurt and there was no real damage to my car, just scratches on the bumper. (The detective who did the follow-up told me he was going to close the case, but he'd send the guy a letter. Yipee.)So I called it in to my insurance just in case I turned out to have whiplash, but told them I wasn't filing an actual CLAIM because as far as I could tell we were only out 22 bucks and a good bit of inconvenience. (The only 22 bucks was because of my husband's AMAZINGLY good HMO, so we were incredibly lucky.) As far as I was concerned, that was the end of it.
But my insurance adjuster sent me like 8 letters in the space of about 5 days, with "Fill out this," and "Call about that", and finally I got so irritated, I called her to tell her that I wasn't filing a claim. Bless her young, idealistic heart, she couldn't believe it. She sputtered. "But you went to the HOSPITAL. You're PREGNANT. You had a 2 year old with you. At least take your car to the mechanic--it's free. And did the police even run the guy's license plate?"
I said I didn't know, but they weren't going to do anything anyway.
She said, "Well, I did. I have his name and address right here. (pause) I could at least send him a letter asking for his insurance information. (pause) The car is a 2005 Dodge Magnum. He HAS insurance. (pause) Maybe at least it'll scare him."
So I told her, "Good, absolutely, go ahead. And tell him he hit a pregnant woman with a child in the car."
So it turns out that she can't ask for his insurance info unless she actually has something to bill them for, so she decides to send $200.00 each for me and my son for our time and so on. It doesn't hit MY insurance because if HIS insurance won't cover it, then it will go to collections against the leinholder on his car. (Hahaha. And they'll know that he's going around hit-and-running people.) So, again, I'm okay with that.
So she calls me again yesterday and tells me they're sending me $254.04, to cover the value of replacing the scratched bumper, and I say, "Is that coming out of my insurance? and she says. "Oh, NOOOO, he's paying for it." I can't believe it. "You mean after all that, he admits he did it?" She says no, his story is that he thought I "waved him on". But nonetheless, he took her letter to his attorney, and the attorney wrote my insurance and said to send all the bills to him, and he'd cover them.
So now, I am TOTALLY ROFLMAO, because not only is he now out the $654.04 my insurance paid ME, but he also has to pay his attorney!
If the jack@$s had just stopped to check on us after he HIT us, we would have traded insurance info, I'd have gotten me and my son checked out, and that would have been that. I don't imagine I would have even asked him to cover the 22 bucks.
Cosmic justice actually exists. Karma, man.
But my insurance adjuster sent me like 8 letters in the space of about 5 days, with "Fill out this," and "Call about that", and finally I got so irritated, I called her to tell her that I wasn't filing a claim. Bless her young, idealistic heart, she couldn't believe it. She sputtered. "But you went to the HOSPITAL. You're PREGNANT. You had a 2 year old with you. At least take your car to the mechanic--it's free. And did the police even run the guy's license plate?"
I said I didn't know, but they weren't going to do anything anyway.
She said, "Well, I did. I have his name and address right here. (pause) I could at least send him a letter asking for his insurance information. (pause) The car is a 2005 Dodge Magnum. He HAS insurance. (pause) Maybe at least it'll scare him."
So I told her, "Good, absolutely, go ahead. And tell him he hit a pregnant woman with a child in the car."
So it turns out that she can't ask for his insurance info unless she actually has something to bill them for, so she decides to send $200.00 each for me and my son for our time and so on. It doesn't hit MY insurance because if HIS insurance won't cover it, then it will go to collections against the leinholder on his car. (Hahaha. And they'll know that he's going around hit-and-running people.) So, again, I'm okay with that.
So she calls me again yesterday and tells me they're sending me $254.04, to cover the value of replacing the scratched bumper, and I say, "Is that coming out of my insurance? and she says. "Oh, NOOOO, he's paying for it." I can't believe it. "You mean after all that, he admits he did it?" She says no, his story is that he thought I "waved him on". But nonetheless, he took her letter to his attorney, and the attorney wrote my insurance and said to send all the bills to him, and he'd cover them.
So now, I am TOTALLY ROFLMAO, because not only is he now out the $654.04 my insurance paid ME, but he also has to pay his attorney!
If the jack@$s had just stopped to check on us after he HIT us, we would have traded insurance info, I'd have gotten me and my son checked out, and that would have been that. I don't imagine I would have even asked him to cover the 22 bucks.
Cosmic justice actually exists. Karma, man.