I'm not normally a 'woe is me' sort of person. Or at least I sure HOPE I don't come across that way, but today, this week, is really one of those weeks.
I was in a car accident over the holidays. I was travelling northbound on hwy 400 in the center lane when a burgundy van in the right hand slow lane veered into my lane. I moved over slightly to try and accomodate him while laying on my horn. He continued to travel into my lane, hitting me and knocking me into the fast lane - into another car - of course.
We all pulled over to the side of the highway and got out to make sure everyone was okay. The damage for the most part is minimal. The burgundy van guy says we should not call the cops and just exchange information. I am mostly concerned at this point at being at the side of a very busy highway in bad road conditions. (It was snowing quite heavily, and already dark). We told him we ARE going to call the police and ask if we can travel to the next exit and deal with it there. I myself called 911 and they transferred me to the police and the police informed me travelling to the next exit was fine.
ALL THREE of us travelled to the next exit and got off. The burgundy van guy gets out and asks me why I swerved into his lane. ARE YOU KIDDING ME?! I asked him if he heard my horn and for a split second he said yes, but then quickly changed his answer to no. Of course. Why would I honk if I were veering? I WOULDN'T. So he HAS to say he didn't hear it.
For some reason, his car has no apparent damage. Keeping in mind, its dark, snowing heavily, and he has a dark vehicle. The OPP arrive, and barely look at his vehicle, barely talk to him and LET HIM GO. The cop doesn't REALLY listen to my story, doesn't even LOOK at the damage on the right hand side of my car and hands me an incomplete report. No accident details, only the information of me and the person I was knocked into.
The person I was knocked into says he didn't see the first vehicle - of course because I was between him and the other vehicle.
So now, my insurance company is placing ME at fault. I did have an at fault accident in April of this year, so 2 at fault accidents (okay with a couple of minor speeding tickets) equals....drum roll please.....
NO INSURANCE FOR KRISTA.
Facility. That's who will take me. At a whopping $10K a year.
Do I lie down and accept that? NO, of course not. I march my butt down to the OPP office, two kids in tow, and ask to speak to a supervisor.
"What's this concerning?"
"An accident I was in."
"Well you can only speak to the officer who took the report."
"But it's that officers actions that I want to complain about."
"Well you can talk to that officer and ask him why he let the other car go"
"Well then let me speak to your supervisor"
"No" she says from behind her bullet proof glass.
"Okay then I want to speak to the chief of police"
HUGE EYE ROLLING. "haha, NO. You can request the officer who was at the scene to call you back. That's it."
She walks away.
ARE YOU FREAKING KIDDING ME?!?!?!?!?!!!!!
Talk to insurace adjuster. He heard my story once. Doesn't understand why the other vehicle is not on the report. And the LOVELY man I got pushed into simply 'forgets' to mention the third vehicle. AWESOME.
NO ONE IS LISTENING TO ME. I have damage on my right side. How hard would I have to hit someone in the slow lane to bounce all the way over to the fast lane and hit him?? Is it not more plausable that I was already near the fast lane when I got bumped? And the MINOR damage I have would tend to support that. If I was in the slow lane and hit him hard enough to bounce over to the fast lane, woulndn't I have more damage? And SURELY he would have some too. But he doesn't. Because I was already in the leftmost part of my lane to try to avoid an accident. One little bump was all it took to get me into the fast lane.
WHY CAN NO ONE ELSE SEE THIS?????
And Paul cannot be a witness for me. It keeps getting better!!
So today I called a lawyer. I just cannot be put into Facility insurance for FIVE years at $10K a year because someone LIED. If it was my fault, I would be kicking myself, really annoyed with myself and say, "well you deserve it" but how and why do I deserve someone to LIE about something and get screwed because of it.
Is that what the world is coming to? Insurance says if two stories differ, both parties are at fault. So the moral of the story is, if you have an accident and you're at fault, just lie about it because then, at least you're only partially at fault. And if you're really lucky, if you lie to the same cop I got, he'll just let you go.
GRRRRRRRRRRR.
<end rant>
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