A $500 cup of coffee…
Was not what I expected to pay for making a trip to Starbucks on Sunday afternoon.
For those who read yesterday’s post, you’ll know that I was victim of a hit and run Sunday. Grande Vanilla Misto is known there as “Renee’s drink;” due to the detailing of thirds.
Ten minutes later, beverage in cup-holder, I’m inching out of my parking space and sideswiped by some blond chick in a beat up American car.
The best part of this story, is that she takes off and I’m left with what I hoped would be an “uninsured motorist” claim; only to have my insurance company inform me today that they had it filed as a “collision.”
For anyone not versed in claim-language; uninsured motorist claims in VA are a flat $200 deductible and the rest is covered by your insurance company (if you have that rider on your policy..and in this State, I HIGHLY recommend it!!). Collision, suggests that you might be at fault, and thus it is a $500 deductible with possible hike in insurance rates.
My conversation with said insurance rep went much like this:
Brad: “Just so you know, I have to speak with my managers, but this might have to be filed as a collision claim due to the fact that you were in the lane.”
Me: “In the lane?”
Brad: “Yes, you said you were inching out of your parking spot, so you were in reverse and you are required to yield to the driver in the lane.”
Me: “Did you see the pictures from the adjuster? Had I been in the *lane* this girl would have hit the backside of my car and not so beautifully scratched along the back bumper. Honestly, I could have told you my car was parked in the space and she swiped it driving by and kept going.”
Brad: “Well, if that were the case, then she would have had to swerve to hit your car.”
Me: (again) “Have you SEEN the pictures?
There would have been no swerving necessary! As far as I can remember, I was still within the white lines.”
Brad: “I am just required to let you know all possible outcomes; I promise to speak with management today and have an answer for you as soon as possible.”
Me: “Awesome. Thank you.”
You know, sometimes these stories don’t have happy endings, but Brad was the man. Less than an hour later, I received a return call from him indicating that they would be able to file this as an “uninsured motorist” claim. So now, my starbucks coffee only cost me $204.02 instead of $504.02.
Thank you nameless girl in beat-up white car. Karma is a *B.*