||[Feb. 7th, 2008|04:07 pm]
Coming home from work is supposed to be happy thing. Turns out its not quite so happy when a high schooler hits you from behind when you slow down to avoid hitting the cars in front of you who have come to an abrupt stop. My car was not too badly damaged, very driveable but probably needs a new bumper. My neck hurts like the dickens, not sure what to do about that. I did not get any insurance information from the kid who hit me. The police came to file a report and the officer said I would get that information when the report was finished next week. Is that how things normally work? Its also getting close to the weekend. My doctor doesn't really do office hours on Fridays. Its not like I am going to go to the emergency room for a neck ache. |
On a weird side note, one of my students was writing an article for the newspaper this past week about what to do in case you get into an accident. At the time I was thinking that this article was a really good idea. Now I agree even more. Its not something that happens everyday (thank goodness) so you don't really think about what you should do when it happens.
Ugh, crap! I'm sorry that happened to you. I find it strange that you are expected to get the insurance info from the police report. Is the kid a minor? Would it have anything to do with that?
If you go to the doctor you might be able to get the kid's insurance to pay for that, too, but I don't know how to go about it. Maybe call your insurance co. and ask them for advice? And then take some Advil and have a lie-down.
No, wait: do the Advil and the lie-down first.
CK was in one once, and they did the same thing. You might ask her how it turned out. :(
I did take some advil and a lie-down. It made me feel better. I called my insurance company and the lady who answered the phone said "Well I don't know what you should do. I was in an accident this week myself where the same thing happened and I am still in pain." I thought, you work for the insurance company (she's the secretary for our insurance guy), aren't you supposed to have a clue? Don't people call with that question weekly?
The Internets came to our rescue. Ell started looking on our insurance website and they said to go ahead and file a claim with them and they would help take care of everything, which we have done so here's to hoping it will go smoothly.
As DP mentioned, this happened to me in August. The police lady who responded told me the same thing about the insurance and the report. Surprised me then, too.
I would suggest calling the police department in a couple of days after the accident (even though they said it would take a week) to check and see if it's ready. Mine was, and I ended up being the one who provided the accident report to the at-fault-driver's insurance. They may charge you a bit ($6-10?) to get the report, but the insurance company should reimburse you.
As far as the doctor's office, I would explain up-front when you go, before you see the doctor, that you were in an accident and are waiting for insurance information when you can get the police report in a few days. Then, provide your own payment information to show good faith and ask that they wait to file until they hear from you again, within a week. My chiropractor's office was happy to work with me on it. Of course, you have to actually follow up with the info. The kid's insurance should definitely pay for a doctor's visit and any follow-up care necessary.
I'm a fan of chiropractic care for these types of issues, but that's up to you. Medical doctors seem varied on their viewpoints of the benefits of chiropractic - but it keeps Vf-xx moving and has helped me too.
Hope you feel better soon! *hugs*
By the way - do you still drive Sid, or do you have someone else now?
That's good to know. When the kid was driving away and I did not have his insurance I was like "Oh crap, have I made a mistake?". Why do I suspect that the police officer is lying when he tells me I can get the insurance information next week from the report? I don't know. That's probably irrational :)
Today I do feel better. Achey but nothing like yesterday. Maybe I won't have to visit the doctor. I hope not but if I do I was thinking about a chiropracter as well. I know lots of people who swear by them.
I do not drive Svid anymore. We had to sell him in Iowa. I was so sad when it happened but he had some big issues that were going to cost more to fix than he was worth. I cried when he was sold but I have a very uncool station wagon now :) No name for it. I tried to come up with one but nothing stuck, ya know?
Glad to hear you're feeling some better! May be a good idea to have a quick doctor's appointment anyway, just to get checked out. Don't want something to show up later. I suspect you have to go within a certain nearby timeframe to have his insurance pay for it.
I think we have had it drilled into us to get insurance information from the driver, but since the cops don't seem to do it that way, it just feels wrong. I had the same mistrust of the cop than handled my accident.
Sorry to hear about Sid. Hope your station wagon names himself/herself at some point! I cried when we decided not to fix Rosie (the Accord, which didn't go by her name very often) - we'd been through so much together, you know? I'm sure you felt that way about Sid too - you had been together for quite a few years.
Any idea what kind of rental car you'll get while SW is being fixed? We've used rental car times (Rosie put me in one a couple of times previously) to try out new car types we were interested in. I'm now a fan of the Chevy HHR and the Toyota Matrix. Although, I maintain that, except for Honda, the interior of all base-model (not luxury class like Lexus or Volkswagon or something) cars feels really cheap and therefore shoddy and unlikely to last. It's rather disappointing when looking at new/er cars (not that you need to buy new, but the next time you need used, these new ones will be the ones on the market).