I've had my license now for almost twelve years. In that time, I've had zero moving violations, zero speeding tickets, and zero accidents except for hitting a curb in an unplowed Baltimore library parking lot after a snowstorm. I pay $127 a month in insurance, and it was by far the best deal I could find.
So a lady hits my parked car during a rainy morning a week ago while I slept in my house. I'm laid back about it - it was clearly her fault, as the car was parked and unoccupied, so clearly her insurance will cover it, right?
However, it turns out she has a $15,000 limit on her insurance spending. One car she hit - a 1995 Mazda - has to be totalled. Another has $7800 worth of damage. With the $2000 of damages to my car, we're up over her maximum. I have to go through my own insurance, her insurance person tells me. So I do. I now have to pay my $500 deductible and pay for a rental car (insurance covers some of this), but, worse, my alread sky-high premium rates will probably increase.
I'm fuming about this. How is it legal that someone could have a $15,000 maximum on insurance? In Michigan, the minimum is $100,000. This is downright ridiculous, and I'm irate about it. I do not get a paycheck until September 15 because of the fucked up way that Baltimore City Public Schools pays its teachers, and now this has obliterated my savings. My dream of a credit-free summer is over. And it wasn't even my fault.
A nearly spotless twelve year driving record ruined by a bitch who can't drive in the rain. And I'm $500+ in the hole.
“One Of These Days…” -
39 minutes ago