Dsnygirl
09-02-2010, 08:38 AM
So, a little story...
Last week, my DH totalled his car. :( His cute little almost paid off VW Jetta, that we were going to keep running for another year or two, happily going w/o car pymts, as my Pilot was paid off in the spring.
Fate had other plans, apparently...
He called me at 7:30, on our DD's b'day no less :rolleyes:, to say he'd been in a 4-car pileup and was fine, but could I come get him, his car wasn't driveable, etc.
Only after we'd been talking for a minute or two and I got done clearing the nighttime cobwebs out of my head did I remember - we'd JUST CHANGED OUR CAR INSURANCE -- AT MIDNIGHT!!! :faint: I didn't even have a policy number yet to give my DH so the police could call it in, not even a scrap of paper with proof. So, online I went, as that is how we'd signed up... got a phone number, called & spoke with an agent to get all our info, and then relayed it all to my DH.... and waited. :sad:
To my amazement, the insurance company didn't blink an eye... they just stepped in, took over, made the calls, got our car to a body shop which then gave my DH a complimentary car to use, an agent saw his car Monday and gave us the bad news that it was indeed totalled... and then the amazing news that the value of the car was MUCH higher than we anticipated, PLUS sales tax... none of which we expected. Because of this, my DH was able to go car shopping that night, and brought home a new, beautiful Honda Accord last night. :D
I know it could have been MUCH worse for us... he was not deemed "at fault" at all b/c he was hit from behind and pushed into the two cars that had slowed down ahead of him on the highway... he could have been badly hurt, as he was pushed under the car ahead of him but he was fine... we could have signed up with a company that declined to cover us after only being with them online for 7 hours... we could have stayed with our old company, where we had a much higher deductible (although we're getting our deductible back b/c he wasn't at fault, another wonderful thing...) and the whole process could have taken MUCH longer... his car could have been valued at a much lower price, making the purchase of a new car that much more difficult... the VW had a number of pricey repairs we were going to have to deal w/ soon, and we've now been saved that cost... there were SO many variables at play, and every single one of them came out in our favor. I don't know how, other than God's providence and watching over us, but there it is.... and I just had to share. :)
(oh, and the blessing of having two DD's who didn't give us a word of grief over all the hours we had to put into this, running my DH everywhere he had to be on my older DD's 12th b'day - thus shortening her day at the opening of the NYS Fair for her b'day - and all the craziness and discussions we had to have and go through, wondering what would happen, deciding how to handle everything, car shopping, you name it... all in the span of 6 days. We're taking them to the Fair tomorrow & Saturday, ALL day, to make up for it! :cloud9:)
Last week, my DH totalled his car. :( His cute little almost paid off VW Jetta, that we were going to keep running for another year or two, happily going w/o car pymts, as my Pilot was paid off in the spring.
Fate had other plans, apparently...
He called me at 7:30, on our DD's b'day no less :rolleyes:, to say he'd been in a 4-car pileup and was fine, but could I come get him, his car wasn't driveable, etc.
Only after we'd been talking for a minute or two and I got done clearing the nighttime cobwebs out of my head did I remember - we'd JUST CHANGED OUR CAR INSURANCE -- AT MIDNIGHT!!! :faint: I didn't even have a policy number yet to give my DH so the police could call it in, not even a scrap of paper with proof. So, online I went, as that is how we'd signed up... got a phone number, called & spoke with an agent to get all our info, and then relayed it all to my DH.... and waited. :sad:
To my amazement, the insurance company didn't blink an eye... they just stepped in, took over, made the calls, got our car to a body shop which then gave my DH a complimentary car to use, an agent saw his car Monday and gave us the bad news that it was indeed totalled... and then the amazing news that the value of the car was MUCH higher than we anticipated, PLUS sales tax... none of which we expected. Because of this, my DH was able to go car shopping that night, and brought home a new, beautiful Honda Accord last night. :D
I know it could have been MUCH worse for us... he was not deemed "at fault" at all b/c he was hit from behind and pushed into the two cars that had slowed down ahead of him on the highway... he could have been badly hurt, as he was pushed under the car ahead of him but he was fine... we could have signed up with a company that declined to cover us after only being with them online for 7 hours... we could have stayed with our old company, where we had a much higher deductible (although we're getting our deductible back b/c he wasn't at fault, another wonderful thing...) and the whole process could have taken MUCH longer... his car could have been valued at a much lower price, making the purchase of a new car that much more difficult... the VW had a number of pricey repairs we were going to have to deal w/ soon, and we've now been saved that cost... there were SO many variables at play, and every single one of them came out in our favor. I don't know how, other than God's providence and watching over us, but there it is.... and I just had to share. :)
(oh, and the blessing of having two DD's who didn't give us a word of grief over all the hours we had to put into this, running my DH everywhere he had to be on my older DD's 12th b'day - thus shortening her day at the opening of the NYS Fair for her b'day - and all the craziness and discussions we had to have and go through, wondering what would happen, deciding how to handle everything, car shopping, you name it... all in the span of 6 days. We're taking them to the Fair tomorrow & Saturday, ALL day, to make up for it! :cloud9:)