Well, while the my not my fault record is still intact, the serous accident part is-no longer. On Tuesday, I took my son to pick up his truck at the shop (and brought only my wallet and not my phone). I then hit the grocery store for chip and dip for a party and headed home-along a two lane each direction road, with a grass median on my left and a park on the far right. About five minutes later, well, I hear a terrible screech and saw a car swerving from the right lane into me-loudly, and much faster.
Because I am road tripper and driver extraordinaire, I managed to do an evasive maneuver and pull myself up on the curb to the grassy median in the center of the road-as the driver in the other SUV hit my right front bumper and car at about fifty miles per hour. My car is now, well, you can see the picture. It only shows a small part of the car, but imagine the rest of the front. Worse. With the engine block exposed and possibly affected.
Physically I am fine but a little sore. No airbags deployed (the are pressure sensitive and there was no one in the passenger seat, thank the lord). As for the rest, well, again, you can see.
It turns out someone either cut off this fellow, or else stopped to quickly. He apparently decided to do the same. People, for the record. Do not swerve into another lane of traffic as an avoidance maneuver. Ever. Unless you are one thousand percent sure that there is no one, no one in the lane. If you are in the right or far left lane and can leave traffic to the side of the road (and there are no sidewalks), do so. Otherwise, suck it up, step on the brakes and prepare to deal. I'm sorry but that's just the way it is. This guy probably hurt his car more than the minor fender bender in front would have, and is very lucky that I am the only person he hit.
The accident of course, is only part of the equation. The car is not drivable, so was towed to a shop. While the individual who hit me admitted wrong doing, I have not heard to much as a peep from his insurance/adjuster in spite of a couple calls to simply ask if I was even on their radar. I mean gee, Farmers Insurance, this is not a difficult case, the fault is obvious.
In the end, I decided discretion is the better part of valor. I called my own insurance (Geico) today, and will let them take care of the car, and get the money back from Farmers. Unfortunately, this will cost me my small deductible (until they collect), and I did not realize that I don't have rental car coverage. That will change tomorrow, but I do have two other cars in this house at my disposal much of the time.
So now, I sit and wait! Can the car be fixed? Is the damage more than the current value of the car (probably 12 thousand). Will I have to go car shopping? Can they fix this in a timely matter and we new part? I am hoping that I will know something by tomorrow, and have some idea of what comes next. Meanwhile......................
Oh, and one other thing. No matter how low technology I am feeling, no matter if I am going around the corner-I will always, always bring my phone in the car with me. There are no words to describe the pain and aggravation of borrowing a phone (from the other party) when you need to call a family member to come and pick you up, a tow truck, and your insurance company.
Trust me, I know!