I did not log about it, but 2 weeks ago my husband got rear ended on his way to work. Woke up with my alarm to get ready for work and a ton of missed calls, that's how I found out. Cue scrambling to wake up the littles to then scramble to find last second childcare for them so I could go pick him up and take him to the ER for head injuries. He is fine, just a mild concussion, 3 days off work. Insurance, insurance, insurance. This to add to the super gross electric bill we were battling with that I referenced in a previous entry about utility bills. Anyway, the other guy's insurance company attempted to send my husband a settlement agreement. Now, bear in mind, their guy was 100% at fault, possible totaled car, and a 4k ER visit. Their settlement offer was a measly $2k. No ma'am. What we not gonna do is accept an offer that doesnt even cover his damages. So, with husband's permission, I emailed back withg a counter offer. After working with my dear old excel and making a spreadsheet of every car part that was damaged, their cost, counting in shop labor costs, lost wages, and his medical bill cost, I counteroffered 10k. That of course was with some wiggle room for a counter offer from them. Always leave wiggle room. They didn't take it, countered with raising it to 3k as we had limited tort (got me there, I guess) and because his injuries didnt "breach the threshold" of counting as a serious injury. Still insulting. So, I countered AGAIN with $7k, which I felt was still really fair and reasonable, as that was bottom dollar to cover the incident. Nope. "We will go ahead and continue with this claim" I said. Well, we just found out today that they are indeed deeming the car a total loss. We figured as much. What we DIDN'T expect though, is how much the insurance company valued the car at. KBB ws giving us an estimate of around $3k. TURNS OUT, his car is a model type was a limited edition or something like that? I don't remember what my husband told me about that specifically, but, given that, the insurance company valued the car at about $6.5k. So, to that I say "suck it, other guy's insurance company. Bet you wish you took that $7k settlement counter offer now, don't you?" HA! MAJOR personal win for us. So, with the car being valued at $6.5k, subrogation to get our $500 deductible reimbursed, the $4k ER visit, and $1k in lost wages, the other guy's insurance company is now going to end up paying at least $12k, and that isn't even including the legal fees between the insurance companies to get it all worked out. Major L for them. So, once he sends over the car title and gets the car cleaned out from his personal effects, we should see the check in about a week or 2. New cars are always fun. And my husband being my husband, even said that if we can find a decent car for a decent price to have some money left over, we can couple that with trading my Jeep in (which has been fixed from my previous post about it, btw) and possibly get a new-to-me car too! You get a car! And you get a car! Everybody gets a new car!
Oh, and we also ended up scoring a win with the community church in regards to our electric bill too! We went in asking for partial help with our bill this month as to not take advantage (since we just had to get help with about $100 of our electric bill last month) but they are going to help us with the full bill anyway. Yay! I had the thought to suggest to my husband to even take a portion of his insurance check to donate back to the church as a thank you. After all, they are going above and beyond, and we are forever appreciative to them.
Loading...