Through No Fault of My Own! - RAM!!!

I'm a little perturbed right now. I have no vehicle... I was in a car accident on the way home from dropping the girls off... was hit in the intersection by someone not braking enough for a red light. My car is thrashed at the passenger rear (so is the tire - totally shredded). I was pushed into the lady next to me (her car is pretty ok). The driver (who hit me)'s insurance policy expired 2 days ago... uh... It turns out, we DON't have uninsured motorists "protection" and don't have rental coverage! YikeS!!!!! Can I cry now? and even more... Juan wants me to stay calm and act ok, to not scare the baby... but.. The cop gave the guy (other driver) 3 hours to get a new insurance paper (the dude says the insurance is covered, he just didn't have the current paper... I sure hope so!). And my insurance says my best bet is to start with his insurance, so it is handled quicker. (Sigh....) I really want to cry now. My eyes are watering. I'm having a very bad day.

To top it off... it was a Dodge Ram 2500 4-wheel drive! Well, they live up to their names! I waited at a red light, while a crossing guard guided a runner. The light turned green... I waited about 2 seconds, saw no approaching vehicles, was almost across... and WHAM! The Ram rammed into me! Beautiful truck with minute damage... only the front bumper. It doesn't exactly look cool with white paint (mine) on it.

But going back to the perturbed thing... the insurance is really putting it to me. First they tell me that we have to shell out $165 to the tow truck ourselves, then they tell me the "other" driver's insurance company will reimburse us for it. Uh... isn't the insurance supposed to handle all of that? I would hope so. Then... to make matters even worse, they told me that an adjuster probably won't even be able to check it out until next week, and that I might want to get ahold of the "other" driver's insurance and get things speeded up from that end. Hello! What are they going to do about it? Apparently nothing.

A rental vehicle of the same size (we really need a mini-van size) is $499 a week. Wow! Thank goodness my kids aren't going to school for the next two weeks. We can get by... just won't be doing much. I guess I can reacquaint ourselves with the public transportation system. We can do the movies (next to the mall is cheap - $2 for matinee/$3 for evening); we can do the mall; we can do many other things, just as long as we are open-minded.

Maybe this is for the best. No one was hurt. Marissa wasn't with me, and the car, although very damaged, can hopefully be fixed. I wasn't in my pj's... We may have to pay a deductible... we'll find out later. But in the end, we'll all be ok.

Just remember, life happens. It happens quickly. So... make the most of it and make sure to brush your teeth and your hair before you go out! And remember also how beautiful each day is (look at that blue sky in the truck's photo!). Toodles for now! lisa (who is now much calmer...)