Addendum to the Previous Post

I’m not the only person celebrating a big b’day in October. I know someone who will be turning 21 a few days after my big bash. I won’t be sending a gift though – she’s the driver who collided with my car not ten minutes after I found out the good news about our house :ouch:

I didn’t write about this the other day, I was trying not to let this annoyance spoil my day. Now though, it’s not such a “little annoyance”. I do have some sympathy for her – I’ve caused my share of accidents (3, for the record, none of them recent), and it’s a horrible thing to happen, especially when you’re young and inexperienced. I do not, however, have any sympathy for drivers who choose to risk driving when they don’t have any insurance 😡  😡  😡 Are you kidding me?! If you aren’t prepared to pay for third party property insurance at the very least, you damn well shouldn’t be on the road! I personally believe third party property insurance should be mandatory. Without it, you’re taking a huge gamble every time you drive. Frankly, she’s lucky she hit me, in my 10-year-old Camry, and not a brand new Mercedes Benz or Porsche.

I wasn’t hurt, and nor was she, and I’m so glad Finn wasn’t in the car. I, being a responsible driver, do have insurance, and my lovely wonderful insurance company is taking care of the entire repairs process. Unfortunately for me, that process is going to take 10 days (yes, the damage is substantial), and my insurance only provides for a discount on hiring a car, it’s not free. With the impending house purchase, I really don’t have the $$$ to hire, so I’m taking Finn on a train trip to Mum’s place tomorrow to borrow her extra car.

I think one 20-year-old is about to learn a scary lesson about insurance. She is under the misguided impression that she will only be asked to pay my excess. Um… no! She’ll shortly be receiving a bill for over $2000 😮 And good luck to my insurers getting that money – she has already informed me she doesn’t have any. Thankfully I don’t have to do the debt-collection duties!