Last week we had double bad luck -- DH was involved in a collision. It would have been a fender bender if not for bad luck -- his car went under the bumper of the other car so the whole front was smashed.
The second part of this bad luck was the fact that he dropped collision and comprehensive from his insurance 2 days!!!! before this happened!
He was paying 1000$ extra in insurance premiums for these 2 things and has never been in an accident before. The moment it was dropped...
So we went to few places to get estimates (had to pay for them) The "white" place wanted 4000$. The first Chinese place wanted 3000$, the second Chinese place 2600$. We went with them.
So the repairs, the tow truck (accident happend in another county), the fees to get the car out of the first overpriced garage, the insurance premiums that will increase.... this all will run even higher. So we picked up a repaired car from the garage yesterday, (I fear it now has electrical problems -- left turn signal light sometimes flashes weirdly very fast, yet sometimes is ok)
To put this in perspective, yesterday he accidently run a red light! -- it was a weird turn and he did not realize there was a light. This was totally his fault. We were very lucky that the driver of the car(cab) that was coming at us had fast reaction. We were almost T-boned. This would have been so much worse!
DH drove 29000 miles in one year, a lot of it being NYC driving.
And he is a very safe and considerate driver. Never had an accident. And here, almost 2 in one week. One was much worse due to bad luck, the other one avoided to good. No matter how good you are, sometimes things happen randomly on the road.
Auto accident and 2600$ down the drain. -- bad luck in prospective
August 27th, 2007 at 04:46 pm
August 27th, 2007 at 04:50 pm 1188233410
and about dropping that part of the insurance...well, Murphy just loves that sort of thing!
August 27th, 2007 at 04:54 pm 1188233654
August 27th, 2007 at 11:04 pm 1188255877
August 28th, 2007 at 02:55 pm 1188312906
what a bummer on the timing though.
I know a lot of people question the cost really saved on collision but I keep saying well we have been driving 14 years, 2 cars, no collision most of that time. Hell yeah we have saved enough money to buy a new car, when you can pull 14 years, 2 cars, no accidents.
But those repairs are insane. I have a $1k quote for a small blemish on my car - hit and run - forget it. Those repairs get pricey fast. So are you going to keep as is or are you scared back into collision? I swear if you can pull it off another decade or so will be worth it, but I would see being scared after the incident. Sometimes there isn't much you can do about Murphy.
I am glad you are okay though.
September 10th, 2007 at 01:16 am 1189387010