A week ago, I had a reliable car that was paid for. This week, I don’t. This week, I have a mountain of new expenses that I couldn’t afford last week and can’t afford now. Why? Because some moron drove his tank into the back of my car because he “wasn’t paying attention.”
I was the original owner on my car. It was 15 years old, but because I took such good care of it, it would probably last me a lot longer than that. I knew everything about it, what it had been through, how much gas cost to fill it up, and how much it cost to insure it.
Because this guy was under-insured, it is now up to my insurance policy to cover HIS accident. They keep telling me not to worry because I have great insurance and they will indemnify me. I now have to pay the deductible and the medical treatment to my neck and constant headaches have to come out of my pocket. I will be reimbursed of course, but that’s assuming I had this money to begin with. I will now have to figure out how to buy a car with the pay out from the insurance company for a 15-year-old car. They do not consider that it was paid for nor do they consider that I took really good care of it and therefore was able to keep it this long. I am going to have to take money out of my retirement so that I’m able to buy something more than a heap. And the insurance will go up. (AND YES, I KNOW that my insurance will not go up for this accident because it wasn’t my fault, but I do know that the insurance premium will change because they do from car to car.) That’s right. This all falls on me now.
What is wrong with this picture? All I was doing was sitting in traffic, and because he wasn’t paying attention, everything has to change for me. I am a good driver and drive safely yet I have to deal with all of this. Because he wasn’t paying attention I have to suffer. Because he wasn’t paying attention I have to come up with money to buy a vehicle I know nothing about while all of my expenses will go up. I drive safely and take care of my car and this guy walks away with barely even a ding in his bumper?
To be indemnified means that they will restore me back to what I had before the accident. HOW IS THIS POSSIBLE? I will never feel the same way on the road again. (Will I ever get that sound, images and feeling out of my head?) I won’t have a car that I was the original owner on, took care of and knew everything about. My insurance will change. I have to pay a deductible. They’re not going to pay me for the full tank of gas it has. Or the new tires I just put on it. Or even the oil change it just had!! How can giving me what my car is worth to them today (which is entirely different) even remotely indemnifying me in any way, shape or form?
The system is seriously flawed and is most definitely not built to indemnify because that's a load of horse manure.
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