I Need Advice Badly

Okay, remember when I ranted that someone hit my car last Wednesday? That story is getting a little more convoluted. I really need advice on what to do next.

The night I got hit, I called my insurance to report being clipped by an On Time Transit van and say I was pursuing it myself. They said that they'd be happy to pursue the issue for me, HOWEVER deductible would be taken out of the settlement. (In the letter they followed up with: "The deductible listed int he heading will apply to the final settlement figure should you utilize your coverage.")

My deductible is $500, a not-insignifant chunk of change that I REALLY would not like to pay out for the privilege of having been hit. After I called my insurance that night, I called the 1-866 "How's my driving" number painted on the van and filed a complaint.

The day after, when nobody got ahold of me from On Time Transit, I called them and got the owner. Who told me to get three estimates and he'd pay the lowest, or his body shop could bang it out for me.

Excuse me? I'm made of time? Who here is at fault for HITTING A STOPPED CAR? And this is only a 2-year-old car that Toyota still partially owns; why should I let the lowest bidder do jack to it? Still... it gave Dad something to do while I was at surgery. The dealer wants a boatload of cash. Maaco doesn't want much more than my deductible, and it is just a ding and a new bumper cover. (If the car was actually paid for, I probably would hit it up with touch-up paint and ignore it.)

On the other hand, it's also quite obvious that Adam is trying to avoid insurance claims, much less avoid me if at all possible. So today I googled the insurance company name at the top of the photocopied slip I was shown...

... and found out that that isn't an actual company. It's a generic title and the guy at the number I did find couldn't help, despite my having a policy number.

So now I have two options that I see:
1) Go through my insurance company and be out half a grand despite being not remotely at fault

2) Go through Adam at On Time Transit and hope that despite the clusterfuck, possible fraud, and obvious attempts to make me go away, he's willing to make good lest I take *more* time and get lawyers involved. Which would involve a hell of a lot more than $500.


[Poll #1776385]

I fucking quit

I've been pretty proud of myself, handling everything that's been thrown at me from surgery through earthquakes through hurricanes and blackouts to a car accident. (By the way, when I called Adam and said "Here's the estimate"? He put me on hold. Forever. Until I called my insurance company and told them to go after his ass, so between the medical and the car deductibles, expect me to start auctioning off my stuff soon.)

Anyway, I got through the On Time Transit latest fuckover AND a full day of work AND made all the necessary post-surgical appointments appointments AND set up an oil change (because I need to get my emissions checked and you can't do that when your maintenance light is flashing) AND paid the mortgage and as I dragged my weary ass home I thought "at least I can rest now."

Except I can't, because I also have to log on online and pay all the bills. While I was consoling myself that it isn't that bad...

... I discovered that there's a fault in my phone line. Neither the corded or cordless phones can get a signal. The line to the house is not down. No handset has been knocked off base. Resetting the phone does not give me a signal back. No, there's a fault in the line in. (Last time I had this issue, there was a crack in the case for the wiring coming into the house and every time they came out during a bright day they couldn't find anything. So I had to take time off from work, meet them at the door, and soak the damned line down with the garden hose to be taken seriously.)

Now... it's one more fucking thing to have to deal with. (And try not to think about the doctors and the insurance company and my parents who all may be trying to contact me.)

It's the straw that broke the camel's back. See you later, guys, I have to scream for a very long time now.