First off I don't want to sound trite because safety is the biggest issue and myself and my daughter and her boyfriend are safe.
We were hit by a drunk driver yesterday early morning. I picked the "kids" up after they were out for Halloween (these are young adults who asked for a ride so they would not have to worry about drinking and driving). On the way home a car came into the wrong lane. I saw headlights where you should only see tail lights and it hit a car that was a distance ahead of me and then spun out and hit me. Impact was directly where I was sitting in the driver's seat.
We are safe. My daughter was totally unharmed except for trauma seeing us bashed with air bags and the force of the impact. Boyfriend might have whiplash. Everyone was wearing seatbelts. My little compact car really held up great protected us well. I went to the ER just to get checked out and no serious problems just bruised up. Without the side window airbags I can't even imagine all the glass shattering and flying around.
Now we wait and see if the car can be repaired looking at it I fear it's totaled. Remember my husband and I share this one and only car.
I called the attorney and if it is totaled we have to go through the process which unfortunately takes time, but it should go ok with the court if we get a payment in the same ballpark that this payment is. Higher might not be approved and lower would give us more disposable cash; even though we are paying 100% we still have to deal with that--same payment sounds like it's not questioned just replacement cost. She also kind of warned me about any money/lawsuit we might get into. I will cross that bridge when we get there. I am not one to just sue because I might get quick cash / settlement. However my insurance said I could get compensated which is fine if they pay my doctor bill and help to get the car fixed and my other expenses like rental car are covered. If I get a little for pain, suffering, missed work I don't know if it would be enough for BK to worry about and if they want any excess/disposable I guess that's ok since that just means we get out of this 13 quicker.
Honestly, I don't expect any big bucks out of it just cover my expenses and if I get a little extra that would be ok, too. Because we don't have an emergency fund and the little we do save up gets used for a legit reason quickly.
This drunk driver damaged and injured several people even if not life threatening. And he ruined 3 cars. He was not only drunk, but he fled on foot and was caught by the police so it's a hit skip as well. He's a young guy and I hope he can get his life together, at least he didn't kill anyone.
Maybe I can get a new version with a few extra features of the same little compact car. Our payment is actually higher than it needed to be since we rolled another car payment into it out of necessity at the time. That's why I got the cheaper, less features, model.
Looking at car values if it comes to the worst scenario, totaled, we should get enough to cover the $5,000 on the current car loan.
My biggest concern is the cost of a rental in the time it takes the court to approve us for a purchase. If I get a call the car is totaled we have to get to the dealership ASAP. I hope to stick with the same dealership because I have gone there almost 20 yrs and some of the mechanics are still working there!
We were hit by a drunk driver yesterday early morning. I picked the "kids" up after they were out for Halloween (these are young adults who asked for a ride so they would not have to worry about drinking and driving). On the way home a car came into the wrong lane. I saw headlights where you should only see tail lights and it hit a car that was a distance ahead of me and then spun out and hit me. Impact was directly where I was sitting in the driver's seat.
We are safe. My daughter was totally unharmed except for trauma seeing us bashed with air bags and the force of the impact. Boyfriend might have whiplash. Everyone was wearing seatbelts. My little compact car really held up great protected us well. I went to the ER just to get checked out and no serious problems just bruised up. Without the side window airbags I can't even imagine all the glass shattering and flying around.
Now we wait and see if the car can be repaired looking at it I fear it's totaled. Remember my husband and I share this one and only car.
I called the attorney and if it is totaled we have to go through the process which unfortunately takes time, but it should go ok with the court if we get a payment in the same ballpark that this payment is. Higher might not be approved and lower would give us more disposable cash; even though we are paying 100% we still have to deal with that--same payment sounds like it's not questioned just replacement cost. She also kind of warned me about any money/lawsuit we might get into. I will cross that bridge when we get there. I am not one to just sue because I might get quick cash / settlement. However my insurance said I could get compensated which is fine if they pay my doctor bill and help to get the car fixed and my other expenses like rental car are covered. If I get a little for pain, suffering, missed work I don't know if it would be enough for BK to worry about and if they want any excess/disposable I guess that's ok since that just means we get out of this 13 quicker.
Honestly, I don't expect any big bucks out of it just cover my expenses and if I get a little extra that would be ok, too. Because we don't have an emergency fund and the little we do save up gets used for a legit reason quickly.
This drunk driver damaged and injured several people even if not life threatening. And he ruined 3 cars. He was not only drunk, but he fled on foot and was caught by the police so it's a hit skip as well. He's a young guy and I hope he can get his life together, at least he didn't kill anyone.
Maybe I can get a new version with a few extra features of the same little compact car. Our payment is actually higher than it needed to be since we rolled another car payment into it out of necessity at the time. That's why I got the cheaper, less features, model.
Looking at car values if it comes to the worst scenario, totaled, we should get enough to cover the $5,000 on the current car loan.
My biggest concern is the cost of a rental in the time it takes the court to approve us for a purchase. If I get a call the car is totaled we have to get to the dealership ASAP. I hope to stick with the same dealership because I have gone there almost 20 yrs and some of the mechanics are still working there!
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