After meeting with my broker Friday, I decided to sell my townhouse instead of keeping it as a rental. It's the best way to ensure I can afford enough house to last us at least 10 years. So last weekend was a flurry of activity finishing up getting ready to move - scrubbing baseboards, refreshing/resealing grout, wiping walls and cupboards, etc. The plan was to list today.
Monday morning I got a call from daycare that Felix had a fever and I needed to pick him up. On my way there, I was rear ended while stopped at a red light. The other driver was a nanny with kids in the car. Everyone was okay, aside from a minor muscle strain in my neck/back. It took about an hour for the officer to get all the reports written up. "She didn't have proof of insurance," he told me, "but I do believe she has it." There's probably $2,000 - $3,000 in damage to the back of my car.
So I got to daycare, picked up Felix and headed to urgent care to get checked out. I wanted any injury documented right away in case it got worse.
Tuesday was all discombobulated because I had to rearrange meetings and enlist my parents' help to watch Felix while he recovered. I was feeling the pressure because we have three big events this weekend that I have to prep for, in addition to usual deadlines.
That afternoon I got a call from the insurance company - the other
driver took out her policy after the accident happened, then lied about
what time it happened. So I had to send them a screenshot of
my call to police to report it. (See, this is why you should always call
police, even in a minor accident!) I will have to go after her myself to collect medical bills and my $500 collision
deductible. Thankfully I have collision coverage.
Last night was my listing appointment with my Realtor, and today my house is officially for sale! How I made it to Thursday night without having a panic attack is beyond me. I'm incredibly frustrated with the driver who hit me, and resentful about all the time I've spent helping Geico prove this woman is committing insurance fraud. I'm pissed the $500 will have to go on a credit card or come out of my house down payment, neither of which is ideal right now. I'm putting the finishing touches on a certified letter that will give her two weeks to reimburse me without going to court...hopefully she does the right thing.
If the woman doesn't come forward with the money, since she was working at the time, could you then get the money from the family that employed her?
ReplyDeleteHopefully all the hard work to this week will be worth it in the end and you will have a quick sale at asking price.
Unfortunately I can't find her employer info and Geico won't give it to me. They've offered to collect everything that's owed and reimburse me, but acknowledge that often takes years.
ReplyDeleteOh I am so sorry you had an accident! They are such a pain. I am grateful no one was hurt.
ReplyDeleteIn my state insurance is required. You can't drive without it and if you do the fines are massive with even possible imprisonment.
But as you said ALWAYS get a police report.
I hope it all works out.