I was going home after work last Thursday and while I'm on the off ramp several cars begin to slow way down and eventually stop. There are two vehicles pulled off to the side of the ramp with their hazard lights on. Apparently, those in front of me are unsure of what these two vehicles are doing so slamming on their brakes was the best idea they could come up with! Anyway, everyone eventually starts to creep along. I glance in my rear view mirror, see a white minivan in the distance, and I start driving. Before I know it I'm slammed into by the white minivan who apparently had no idea there was a line of cars stopped up ahead of him. I'm fine. Baby is fine. Car, not so fine.
So, I call 911. I'm pretty shaken up because I've never been in a car accident before...at least in my adult life. Fortunately, nobody in the other vehicle was hurt either so we didn't need an ambulance. But we were technically still "on" the highway so we had to wait for a state trooper to show up. I hand over my license, registration and insurance, as does the other guy (who was more than willing to admit he was at fault and continued to apologize a gazillion times). The minivan is pretty much totaled - it's an older model and the front was completely smashed in. They definitely needed a tow truck. My car didn't seem too bad...it was driveable anyway. About an hour after the accident the report is filed and everyone is set to head there separate ways. The guy that hit me had his ride show up and the cop was also leaving. BUT my car wouldn't start. I started to panic. The cop pulled away and I was in tears. I call Tim panicking because I knew I was in a bad location (still on the off ramp with vehicles flying by me). Tim was NO help (or was it me just being angry because he couldn't "fix" it from home...idk). I start to call my insurance company to get a tow truck and an unmarked car shows up. He helps me get the tow truck there in less than 15 minutes, PHEW! I get it towed to a local repair shop and wait for my sister to pick me up.
What was an hour accident turned into a 2 1/2 hour accident. Miserable!!! Because this is our only vehicle we were in need of a rental car immediately. Fortunately, we got one the next morning through the other guys insurance co.
I got a call today from the adjuster who said the outer damage doesn't look bad, but at closer inspection it is much worse. $6,000 BAD!! Rear bumper, rear body panel, rear floor and lift gate all need to be replaced! We're talking 50 hours of labor!! We won't even get our car back for 3 weeks (from the date of the accident)! I was hoping to at least get it back by the end of this week. :( Thank goodness all of this will be covered by the other guys insurance.