Friday, April 4, 2008

Three Cheers..

...for uninsured drivers.

I was in a car accident today.


I was driving to work and an S-10 pickup pulled out of a gas station in front of me. I had no time to react and hit the other car at probably 20-30 miles an hour. We filed a police report and the other driver was cited with failure to yield. I was not cited.

Everything seemed like it was on the up and up until I got home and called his insurance company to file a claim. The insurance policy for that vehicle was no longer valid. There is still hope that the other driver may have switched insurance companies and has a policy elsewhere, but I won't know for a while. I am hoping this is the case but am skeptical.

Though I'm annoyed at the whole ordeal, I do need to step back from the situation and take a good look at it.

If in fact the other driver is not insured, what do I really lose? I've been driving my truck for 5 years now and it has served me well. I have no outstanding debt on it, and if push comes to shove, my folks have a car I can borrow until my vehicle is either fixed or parted out. Really it boils down to an annoyance; nothing was lost that can't be recovered.

What about the other driver though, what does all this mean for him? First off, he was cited for the wreck so he'll have to pay that fee for starters. Second, if he really is uninsured, then his license will be suspended, and who knows what that means for him. Third, if he's uninsured, his vehicle, like mine, is now inoperable and he'll have to pay to have it fixed.

In this scenario, it sounds like he stands to lose more than I do.

Don't get me wrong. I'm not excusing uninsured drivers. It's illegal, it's irresponsible and they pose a serious threat. If I had been seriously injured today and didn't have good medical insurance, I could be facing a crippling amount of medical bills. (It's for reasons like this, you yourself should be responsible and have an emergency fund set up. We never know what tomorrow may bring.)

Despite all this, I can't help but at least have some compassion for the situation.

Even though it was only an old beater, I really did love the Bruiser (Blazer). In the winter, there wasn't a hill icy enough that she couldn't tackle with a little effort. Other than when I first bought her, I've never had to make a payment and though she's broken down a couple times, she's actually been a very dependable car. I'm hoping this situation turns out better than I'm expecting it too, cause I'd love to be able to get her fixed back up to live out the rest of her life.

We'll just have to see. It's not in my hands.

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