I had a post almost ready
for you readers and then the next day my Mini Cooper was rear-ended by a Volvo.
While waiting at a stoplight for the light to change with about 10 cars in front of me and none behind me, the Volvo appeared coming fast. I had looked in the rear view mirror before stepping on the gas to make the discovery of a Volvo coming fast. Then I looked in front of me after she hit my car to see if I’d be hitting anyone in front of my car. The light had just changed and thankfully traffic began to move. When she hit me, my foot came off the clutch and the car engine died. I took another look in the rear view mirror and grabbed my phone to dial 911. They answered and I gave them my information. After that we both pulled over into a store parking lot. I moved first and felt the bumpers pull and scrape apart. Getting out of my car, I saw that she followed in a few minutes dragging something under her car…my spare tire with its attachment from the underside of my car. The Volvo hood was crumpled, headlights smashed, etc. She said her brakes didn’t work.
Three hours later when the adrenalin had worn off, I was in my doctor’s office with a real ‘pain in the neck’. Yep, pain killers and muscles relaxers for spasms. There you have it…my excuse for not posting before the end of this week. The Mini is sitting in a body shop, the insurance agents have called back and hers admitted to being completely liable for the accident.
She was very apologetic and more than twice. She called later to let us know that her insurance was not expired, but gave us the agent’s name again with another apology. I told her I didn’t hate her…I forgive her and let the insurance companies do their jobs. Things happen!
We were shocked to discover we did not have car rental insurance, but hers will pay for that. Now we’ll be looking over our insurance for both our cars to see what happened to rental insurance. Thank God I had the renewed insurance card in my vehicle because she did not and she was given a ticket for that too. A couple of things you need to check in your insurance:
- Do you have your insurance card in the vehicle?
- Do you have car rental insurance?
- Did you remember to take photos of the accident and vehicle damage? Use your phone camera.
- Get the other party’s insurance name and agent name.
- Did you call your spouse to inform them?
- Call your doctor’s office for an immediate appointment. See them that day if possible…tell them you were in a car accident. I declined the EMT service and took the officer’s advice of seeing my doctor.
- Stay for the tow truck to show up. You need to see the tow truck people pick up your car and get a receipt. Mine had the flat bed tow truck ordered for it by the Mini Roadside Assistance program. They told me to make sure that’s who came out to pick it up. Good thing I knew that as the tow truck driver tried to have us use a dolly tow.
I’m really thankful that nothing horrible happened. Cars can be fixed and I’m looking forward to my neck, shoulder and back healing. I have pictures on my phone, but right now it’s too hard to send them by email to myself and publish them here. Time to go lay down and ice the areas.