Yesterday was a bummer - started out with a real "bang." I was headed to Em's school for a Grandparent's day celebration and was all excited to see the little pumpkin in action. I was driving along one of the major roads around here and when I stopped in traffic, the car behind me did not. If that wasn't bad enough, some of the people driving past the accident were so busy gawking instead of driving that another much worse accident happened right next to ours. There is a very high concentration of morons on the roads around here. So my pristine, beautiful vehicle that didn't even have a scratch (and with less than 15,000 miles on it) looked like this
Of course, the driver who rear-ended me was faulted, but when I got to work later and called the insurance company listed on the police report, I found out there's some issue with their insurance. Again, this is FL, so there is a high likelihood that the insurance card they provided was nothing more than a worthless piece of paper. So - I'm going to vent here.
I do the responsible things, maintain insurance, maintain proper distance from the vehicles around me, keep my vehicle in proper working order, don't yak on the cell phone while driving, etc. Why is it then that I'll likely wind up penalized for being responsible? After speaking with my insurance company - a well known nationwide insurer, I found out that even though I have uninsured motorist coverage, that this coverage doesn't pay my deductible if it turns out in fact that these people had no insurance. It only covers medical-related expenses. Furthermore, the driver appears to be a real dirtbag who doesn't have two nickels to rub together. So, I'm probaby going to wind up paying out the money for my deductible for a crash I didn't cause.
I dropped the car off this morning at the auto body shop, and the owner of the shop told me that about 50% of the accident repairs he performs involve a driver hit by someone with no insurance *sigh*
At least I had my Blackberry with me so I could capture the whole experience for posterity.