Murphy’s Law: Pay off your car, get into an accident
Just 4 days ago, we paid off the last $3,300 on our Chevy Malibu. But what can go wrong, will go wrong.
We were so proud that the car was finally ours. But something bad happened on the beltway today (and this time, I wasn’t in the car!)
I got home from work and get a call from Stacie. She says someone hit her car. Since she was calling me and wasn’t crying, I determined she must be OK. Next was the car. I asked how bad it was and how it happened.
Stacie was on the 495 Beltway coming home from work and was stuck in bumper to bumper traffic around the Route 66 exit. Traffic started to move to the right and the car in front of her also started to move. Before Stacie moved, a Corolla wagon from the right lane tried to get in front of her, but the other driver (a young girl) didn’t have enough room. The other driver ignored Stacie warnings and scuffed the Malibu’s front right quarter panel and bumper.
Stacie got the girl (and her boyfriend) to pull over by frantically waving and flashing her headlights (the car’s, not hers). The girl, her boyfriend and Stacie get out of their cars and Stacie says “You hit me!” The girl says “But I had my blinker on!”…Stacie says “So what!”. What was Stacie going to do, back up into the person behind her so some moron could move over one lane in bumper to bumper traffic???
Anyway, Stacie got the girls name, addy, phone number, license plate info, insurance carrier (Geico) and policy number. Stacie got home and I went to check out the damage. There’s about 2 feet of affected area, with quite a bit of scuffing on the right quarter panel and bumper. The car is black, so it definitely shows up.
Stacie just got off the phone with Geico as I write this. She placed a claim against the other girl’s policy, and told me the Geico rep was very friendly. As they were talking, I got the claim information via email (she gave him my email addy, not hers), and by the time they were finished talking, I had logged in, verified our information, and seen who our assigned adjuster was.
Next up, let’s see how fast they review the claim, inspect the damage, and get it fixed! If they reject it, I’ll have to resort to placing a claim with my insurance company to fight it out with theirs, or try to buff it out myself.
Any opinions on what else we could have done? Have a similar (or worse) experience yourself that you can share? Leave a comment!