Now Playing: WALKER, TEXAS RANGER: TRIAL BY JURY
Got up at 8:00am and spent the next 2 1/2 hours on the telephone, talking to various insurance companies, tow guys, body shops, car rentals, etc. I carry only liability coverage on my car, otherwise my insurance company, Country Companies, would take car of a lot of this business for me. As it is, they were pretty helpful and answered a lot of my questions.
I mostly spent time talking to the woman at USAA General, the coverer of the girl who hit me. I was the first to report the accident to them, and the agent interrogated me over the phone in a recorded conversation. To be somewhat fair to her, she only had my word as to what happened, but I felt she was dragging her feet a bit to help me. I'm confident that the girl who hit me is 100% liable and that USAA General will be responsible for the entire tab.
Hopefully they'll live up to the deal. For instance, she told me that she could not begin an investigation into the matter until I had my car moved from the tow place to which it was taken last night to another location that would not charge a storage fee. That sounds like a load of b.s. and the Catch 22 is that, if my car is deemed totalled and no body shop can do repairs, then any body shop will charge for storage. If they do the body work, no, but if there's no body work to do, then they probably will charge. However, there's no way an appraiser can look at it and deem whether or not it's totalled until the car is towed to the body shop. I had little choice--I had it towed to a local body shop this morning. If there's work to be done, they'll have to do it anyway. If there isn't, I'll just have to fight that battle later.
I also picked up a rental vehicle this morning. It's a gigantic 2005 four-door Dodge Ram pickup. I think most people need a vehicle like this like they need a hole in the head, but I admit it is fun to drive. From what I understand, USAA General should be responsible for this too. Of course, that's only if their client is found to be liable, and I suppose there's no guarantee of that, despite what actually happened on the road last night. A call to the officer who wrote the report last night, so I could determine whether or not he ticketed to the girl, went unreturned, as did two followup calls to the USAA General agent I talked to this morning. On the other hand, I did receive a message from a local auto body appraiser who said they had received word from USAA General to give my car a look on Monday. I assume this means the investigation is complete and that USAA General is starting to figure up how much of a settlement I'm owed.
I also made a trip to the ER this afternoon. I wanted to see my regular physician, but I was refused by officials who made me go to the emergency room. I suppose that's SOP for car crash victims. I think it's probably because my co-pay is $25 to see my doctor, but it's $125 to go to the ER. I was only there less than 25 minutes. What is that, five bucks a minute? And probably for nothing. I feel okay, but I do have a bit of tension in my neck and back today. Nothing too serious or even painful, just a tightness. The ER doctor didn't seem too worried about it, but he prescribed me some muscle relaxants. I took one, but it doesn't seem to have done much for me yet.
Thanks to those of you who posted or sent email (the Z-man is still out there!). It feels like overkill, since the crash wasn't really a heavy one, and no one was seriously hurt. My pain is mostly in my ass now, as I have to make all these arrangements and eventually figure out how I'm going to buy another car. If my Altima can be fixed, that's fine with me and I would prefer that, but I have to face that I might have to find something else, and I can't in reality afford a car, even a used one. I'm keeping all my medical and car rental receipts in hopes I can be reimbursed for all that.
Eventually I'm going to have to post about the WALKER, TEXAS RANGER reunion movie. Norris is The Man.
Posted by Marty at 4:59 PM CDT