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My Poor Truck :(

August 22nd, 2008 at 06:28 pm

Food @ Work (BF & I): $8

My Paycheck: $997.04 (Taxes, 401k, Health Taken Out Already)


Well, today has been a heck of a day for us. Referring to the title of this post... I got backed into on my way home from work tonight.

I had pulled onto the road that our apartment complex was on (could literally see my apartment building), and I had to stop behind a red car. Apparently the red car was letting a big box truck turn left out of a gas station parking lot. So we waited, as the truck inched out. Then, the driver of the red car seemed to think that the box truck was going to scrape their car while turning, so he threw his car into reverse... and backed into me.

Turns out, the kid was 16, and his mom was in the passenger seat. I looked up the police station's number on my phone and called to report it. While we were waiting, BF and our pup walked down to us (we were that close). It took the cops 30 minutes to get there, and I kept getting paranoid that they were somehow going to try and blame it on me.

Another guy that had witnessed the whole thing came down right after it happened, and told them to move their car forward. I was still in my truck, and when they pulled forward... my truck went with it! They were stuck together!

I was like "Can you stop? I don't think we're supposed to move until the police get here." Geesh.

The cop gets there and as the mom starts to tell him about the truck pulling out of the parking lot, he interrupts her to look at me and say "So you rear-ended them, right?"

Uh, NO. Wouldn't it be smart of a police officer to let the actual parties of the accident say what happened, instead of jumping to a conclusion? I couldn't help but think... if the mom wasn't so honest (or maybe just didn't think about it), she could very easily have said "Yes! That's what happened, we stopped and she rear-ended us!" Then it would've been my word against theirs, when I did nothing wrong at all. I wasn't liking the officer's vibes from that.

Finally, he took all our info and gave each of us copies, then told BF & I that the other driver was obviously at fault, and since we had all the insurance info, to just go ahead and file through our insurance. So, with that, we parted ways... the mom kept thanking us for being so nice about it all.

The damage to my truck that is visible isn't too bad. He did back up pretty fast, so one of the bars underneath my front bumper (for towing/pulling something) had been pushed not only through the front bumper of my truck, but also all the way through their back bumper. When it was all over, I had to hold the brake while they slammed on the gas just to get them unhooked.

I called the insurance place (we both have State Farm) and gave them all our info, as well as what happened and the case # from the police. The claim rep is supposed to call me tomorrow, so I'm waiting until I talk to them and make sure everything is a "go" before I make an appointment for an estimate/repair.

I talked to my old boss (a SF insurance agent) and she told me that if the boy was driving his grandfather's car, then the boy's insurance might not cover it, we'd have to get his grandfather's. She also said to make sure I don't sign anything at the repair shop until they've done the estimate under the bumper, because the frame might be bent or something.

AND... to add confusion, the boy's mom called me earlier. She wants to know if we can settle it outside of the insurance companies, with them just paying for my repairs. She said it was just "inconvenient" to go through the insurance, because it was such a "minor" thing. I wanted to be nice, because I know her son's insurance premiums are going to take a hit after this... but at the same time, I did nothing wrong, and I need my truck to get back and forth to work.

Who knows how much the estimate will be, especially if there is something wrong other than just the outside bumper/bar. And it's much more "inconvenient" for me to have to try and work something trustworthy out with a stranger & repair shop than it would be for me to go through State Farm's claim service.

I'm not trying to be mean, but I'm not going to put myself in a bind. So I pretty much told her that I had already called to report it to my agent, and that I was going to wait until I got a call tomorrow to do anything. I didn't want to make her mad, in case I end up needing to get the kid's grandpa's insurance info... but I wasn't about to tell her I'd settle it outside of the insurance.


So that is all fun. BF also called about his stimulus check again today (or the lack of it)... and bad news there too. Apparently, when he filed his taxes this year, he forgot to mark an exemption for himself. He pulled out his paperwork and verified that he had in fact left it off, but then he had all the information from his parents to prove that nobody else had claimed him as a dependent, so it was just an error on the computer when filing.

But the IRS guy said it didn't matter, that the only option BF has is to complete a form 1040X, and the correction would take 4-5 months. When BF asked what would happen if he didn't get his stimulus check this year, the guy said he'd have to file for it somehow on his tax return next year. So for now, we're kissing that $600 goodbye. And with a $5,000 surgery coming up, Lord knows we could really have used it.

What I don't get is why BF was mailed a notification letter with the amount he was going to receive. The guy told him they just sent out those generic letters to everyone, that it didn't mean you were eligible. WHY SEND THEM OUT THEN? Geez.


In an effort to make this post a little less negative, I do have some good things to report:

BF mailed the textbook I sold on Ebay:
$40.96 sales
-$1.49 PayPal Fee
-$8.63 Ebay Fees
-$4.67 Shipping
=$26.17 Profit

Every little bit helps.

6 Responses to “My Poor Truck :(”

  1. gamecock43 Says:

    Oh that sounds terrible...such a hassle with the car. As for the stimulus- file the correction form, he should get the check once its fixed. I have heard that the govt already made arrangements regarding the correctioon form and stimulus checks in anticipation of your BF's mistake. Just a delay for you, but you'll get it.

  2. sillyoleme Says:

    gamecock - I hope you're right about the correction form! He is definitely going to do it... so hopefully we will be surprised at the timing... maybe?

  3. merch Says:

    I agree with gamecock. $600 for what 2 hours of work? Sounds like a pretty good idea to me. Look at it this way, it's about 60% of your paycheck for a lot less work.

    Sorry to hear about the accident. I, like you, would probably just have the insurance take care of it.

  4. sillyoleme Says:

    Thanks Merch. BF is definitely going to complete the form. I doubt it will even take two hours... his taxes are pretty simple (single, one job, not itemized). It would be very nice if the corrections happened faster than they predict. $600 to pay towards doggie surgery or debt would be AWESOME!

  5. debtfreeme Says:

    um... i would go outside of insurance on this. what happens if your truck frame is bent, it can not be straightened and the truck is considered totaled.

    Also, are they going to pay for your rental car while the car is being replaced ?

  6. fern Says:

    That's too bad; i would stick with the insurance company reimbursement. It makes me suspicious that the mother wants to try to settle without them. Maybe she's afraid her premiums will go up or maybe her son's already had other accidents, but withougt knowing more, i think you're better protected with the insurance reimbursesment.

    I once was driving with my mother looking for a restaurant, in the rain, and when she said oh, is that it (behind us) over there?, i turned to look and bumped into the car ahead of me, which had stopped to turn left. I had seen the car, but i'm pretty sure its brake lights weren't working, and that's why i didn't realize it had stopped. The cop was in a very surly mood and when he immediately blamed me and i said how do you know it's my fault? he snarled, "becus YOU hit HER." I was about to tell him i didn't think the other driver's brake lights were working, but he was so nasty i was afraid to open my mouth again. Luckily, no damage to either vehicle anyway. It was a very light bump.

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