Relax You’re Insured

  • Thursday, September 12, 2013



Dear Editor,
Last Sunday, September 8th was a perfect day to entertain visitors in Charleston with a carriage ride and brunch.† We are newcomers to South Carolina having recently moved here from the south shore of Boston.† Already our friends and relatives are lining up to visit our new home in Cane Bay.
Sadly, Sunday didn’t end on a good note.† We left downtown Charleston traveling east on I-26.† Traffic was light. Two idiots in two separate vehicles chose that day and time to race one another.† One of the vehicles was a Ford Mustang GT convertible that was reported to be going at least 100 mph when he struck us from behind spinning us around, hitting us again, forcing us off the highway and onto the off ramp at exit 203.† The impact was sudden.† The other racing vehicle took off.† One of the many witnesses followed that car and was able to get a license plate number.† Other witnesses stopped to help.† We can’t say enough about how nice everyone was to us at the accident scene, including the responding police officers.
The offending driver who hit us was a young man who did not have a driver’s license and it wasn’t his vehicle.† He’s lucky he wasn’t thrown from it and killed.† We’re equally fortunate in that regard.
The story takes an unusual twist however.† We’ve reported the accident to our insurance company, provided all the details, witnesses, accident reports, etc.† The offending vehicle was also insured, that’s the good news.† The bad news, our policy has $1,000 deductible.† I’m told, by the insurance company, that regardless of who is to blame for the accident, we will be responsible for the first $1,000 of damage!† We didn’t contribute to this accident, we are the victims, yet we will be forced to incur a financial loss due to the negligence of a young kid who unwisely decided to speed recklessly, almost killing us.†
Something about this terrible incident just isn’t right.† The other driver was issued three tickets.† Why then should we be out of pocket for any expenses?† “That’s the way it is” isn’t a sufficient answer.† Anyone who has an insurance policy with a deductible listed, take a moment to consider the consequences, and perhaps contact your agent.† It’s one of those things they don’t explain in detail, until after the fact..

Richard Standring
Schooner Bend Ave.
Summerville, SC 29483

Comments

Notice about comments:

Summerville Journal Scene is pleased to offer readers the enhanced ability to comment on stories. We expect our readers to engage in lively, yet civil discourse. We do not edit user submitted statements and we cannot promise that readers will not occasionally find offensive or inaccurate comments posted in the comments area. Responsibility for the statements posted lies with the person submitting the comment, not Summerville Journal Scene.

If you find a comment that is objectionable, please click "report abuse" and we will review it for possible removal. Please be reminded, however, that in accordance with our Terms of Use and federal law, we are under no obligation to remove any third party comments posted on our website. Read our full terms and conditions.

Upcoming Events
Poll
 Latest News
Print Ads
Latest Videos


Summerville Journal Scene

© 2014 Summerville Journal Scene an Evening Post Industries company. All Rights Reserved.

Registration on or use of this site constitutes acceptance of our Terms of Service, Privacy Policy and Parental Consent Form.