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Flying Cars & Horrible Week

April 20th, 2018 at 01:16 am

So a lot has happened.

#1 I booked a girls weekend trip to Florida on our remodel deadline as a push to finish and then celebrate... Maybe not the best idea, but I do get free housing and we are doing red eye flights for cheap.

#2 A brand new camaro missed the curve, ran through about 200 feet of my fence and then ramped over my dam and about 50 feet out into my pond. They must have been going over 100 MPH. The car sunk. The people managed to swim to safety. Driver and passenger were unharmed surprisingly, just cold and wet. They came inside to warm up and I gave them some clothes. Police, firemen, EMTs showed up.

Well they got the car out the next day. Which was fun to watch. But now I have 40 goats without a pasture to eat and no hay. No one has hay this time of year. Pond is likely unsafe due to antifreeze and other fluids leaking. Vet says wait at least 2 weeks. Fencing guy can't come for a while to replace fence. Had to go purchase $500 worth of supplies and had friends help me fence off part of the yard so they had somewhere to go temporarily.

Well today I find out they likely don't have any insurance. Frown Frown Frown

It is going to cost me about $2,000 for the temporary fence and to replace the original. Not counting labor, stress, time, etc. There is tiny bits of glass and plastic all over my pasture to clean up. It is a disaster. I've been on the phone for hours trying to track the insurance down. No one will help me. Police doesn't care, my insurance doesn't care. I'm screwed. I'll have to take them to small claims court, but not sure if it is even worth it.

Our house deadline is just a couple weeks away and now I have to deal with all this. I have no money and no time. It's just been a horrible week.

10 Responses to “Flying Cars & Horrible Week”

  1. starfishy Says:

    ugh - what a nightmare. so sorry this happened to you. what about your homeowner's insurance - any coverage through that policy? good luck.

  2. creditcardfree Says:

    I am so sorry!

  3. PatientSaver Says:

    Of course it is worth it to take them to small claims court. You can get a copy of the police report, any mention in local newspaper, your own photos of specific damage, the car in the pond, etc. Hopefully you got that; if not, the local authorities do. It's a clearcut case. You have a right to be compensated by damage clearly done by them. Why hesitate?

  4. CB in the City Says:

    I agree that you should check out your homeowner's insurance. As to small claims court, can you research how much it would cost you to go through the process? How deeply would it cut into the possible gains? And if they have no insurance, they may have no cash assets either and you might have trouble collecting even if you win. Hate to be discouraging -- I actually have had no experience with small claims court, so this is just opinion based on secondhand information.

  5. snafau Says:

    Who actually owns the Camero? Dealership, bank/financial institution? Was the driver charged? Who are you working with at 'claims' your home insurance company? If they are ignoring you, check comments online for that specific insurer; call the claims manager with a brief list of damages, ask for a claims agent to come out and review damages. I don't know the highest award allowed by Small Claims Court but if it covers damages, I'd file against your Home Owner's Ins. if your decide it's pointless to go after the driver. Consider whoever holds the insurance on the Camero as well.

  6. klarose Says:

    I've called everyone! The tow truck, the dealership, the lien holder, etc. The driver gave a phony phone number and insurance number.

    BUT I think I may have finally found some sort of insurance. Maybe. I went ahead and filed a claim and they are supposed to get back to me on Monday.

    With my home owners insurance after what they would cover (if they would) and the deductible I would only get about $500 and also it would be a claim that is recorded under me. I don't want that.

    Small claims court is iffy. It would cost money and you can't get blood out of a turnip. I've been told they can pay me as little as $25 a month!

    I will have to wait until Monday to see how this plays out.

  7. Butterscotch Says:

    So the dealership owned the car?

  8. PatientSaver Says:

    I think there is a misconception here that small claims court is expensive. It's really not. Here in CT, for instance, it costs you $95 to file, and if you win, the defendant pays your filing fee so your out of pocket is nothing.

    Your case seems very cut and dried. Even if you only get $25/mth, you're still getting your money back.

  9. FrugalTexan75 Says:

    Would it be covered under your auto policy? Uninsured driver?

  10. rob62521 Says:

    Grrr. Hopefully you can get some insurance money from the before mentioned turnip. And even if at $25 a month, better than nothing.

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