the rest of the story… busted car style

That time I posted about Darren’s car accident and said things were going smoothly? I spoke too soon. We only had liability coverage on the ol’ Impreza, so our insurance co. was like “sorry, we’re actually not dealing with this for you,” so Darren had to handle it himself. It involved many phone calls to a claims adjuster with the other driver’s insurance company. And because he works nights, it was a lot of exchanging voicemails, because she would call around 8 am while he was sleeping.

The accident happened on December 18. We borrowed my brother’s truck for just over a week before they – okay, I’m just going to tell you, It was Farmers – hooked us up with a rental car. We picked that up on the 28th. Eventually they sent someone out to look at the car, and on Friday January 8 they made us a settlement offer that totally sucked, which we were expecting. They also told us that they would only continue paying for the rental through January 11. I immediately went to our credit union and met with a loan officer. We did a fair bit of online car browsing over the weekend, and then I called in to work on the 11th so we could go do some test driving.

Farmers called Darren halfway through the day after they got his message that their offer wasn’t going to work for us. The adjuster they sent out didn’t take into account any of the work we’d had done in the car. This guy was local; the primary person Darren had been dealing with is in an office in Oklahoma. She agreed to extend the rental a few more days, and Darren forwarded her the repair receipts.

We found a new car that day, and completed the purchase the next day. Hooray!

On January 15, Farmers made us an offer we could live with. It at least covered the cost of the very expensive part we had replaced two days before the accident, so that was something. We sent them our title, and on January 27 they towed away the Impreza. We finally received our check yesterday – February 5. Seven weeks to the day after the accident occurred.

Whew. We are both very glad to be done with all that nonsense. We also love the new car – new to us, it’s a 2010 – so at least we seem to have gotten something good out of the ordeal.


One thought on “the rest of the story… busted car style

  1. Marsha

    Glad to hear your vehicle situation worked out, but that can be a heck of a headache (like three years ago when I got rear ended trying to get into my driveway with Ava) but that did work out in our favor. Last year we weren’t so lucky, we bought a ford free star from a used car company. That was the first mistake. The second mistake- we didn’t do our research on the year and model. The tranny was going out on it which apparently was major problem with that model. So this spring, we traded in the van for half of what we bought it for, and ended up taking a loan on my new car so I would have something that would last longer and be dependable especially with our not-so-little-anymore little girl. 🙂 Here’s to a better year with better vehicles 🙂


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