I just hate talking on the phone.

[judecorp]

So I called the guy who hit me and told him there was more damage than I thought, and asked if he wanted to come see. He said no, he hit me, he didn't need to see. He said he would call his insurance company and file, and I said I would, too. He gave me more of his info (address, insurance policy #, license plate) and I called the insurance company.

Of course they asked if I had a police report and I said no, and they gave me a hassle about that. But I filed it and told them he hit me and all of that. They said that with no police report, they weren't sure about fault - that ticked me off because umm, I was totally stopped and all my damage is on the rear bumper. But whatever.

So I also found out that we apparently have rental car coverage on the Focus but not the Matrix. WTF? All I can imagine is that it was a mix-up but that could end up biting me in the ass if the repairs take a while. Grumble. And that apparently Jen is the primary policy holder so they wrote the claim as "owner not in vehicle." That kind of made me feel like a 16-year-old on Daddy's insurance.

Now I guess we just see what happens. Police won't issue a report because (duh) they weren't there. So take that, insurance phone answerer guy!

Comments

[volumeat11.livejournal.com]

Dude, because you're not at fault, regardless of car rental coverage, you're entitled to a ride comparable to the one that was hit while it's being repaired -- if it's drivable, then drive it; but while it's being repaired, the other guy's insurance company should (and WILL) pay for a car for you to rent while yours gets fixed.

Who am I? Ex-car rental manager. If you have any questions about the insurance or renting, lemme know.

In other news, maybe we can get you an exorcism for Memorial Day or something; remove this blah that seems to be following you guys around...

Hope all is well otherwise...

Jeff

[judecorp.livejournal.com]

The other guy's insurance company called me to talk about payments and stuff, and they said they could direct-pay any of the major car rental places if I need a car rental. So hopefully that will all work out. :)

[volumeat11.livejournal.com]

Good. Best of luck with that, and lemme know if you have any questions.

And it was great to see you and Jen this past weekend -- albeit briefly. I was hoping you'd still be there when we got back...but then we got back an hour AFTER when we were supposed to be back...so I don't blame you for not staying -- I don't blame any of the chicks for leaving, actually...

[judecorp.livejournal.com]

We had to get up to Stoughton to go to IKEA before heading home. So we actually stayed a little longer than we'd intended to and we're sad to have missed you. I'm sure things are CRAZY for you guys right around now, so just know we're thinking of you.

xo