Relax You’re Insured
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..
Schooner Bend Ave.
Summerville, SC 29483