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When my car got rear-ended

No new footwear lately.

Back on October 3, I took Child Three to an interview at a high school he’s interested in attending last year. When we returned to my parked car, we discovered that a navy blue Volkswagen Golf had snuggled under my car’s rear bumper.

I didn’t have a camera and as I was puzzling out what to do, a woman who lives in the house in front of which I parked came home. I showed her the situation ad asked of she could take a photo for me. She did.I recorded the license plate of the offending Golf and left a note on its windshield. I returned Child Three to his current school and ran errands.

When I got home, I had a phone message from the driver of the Golf. She was apologetic and couldn’t understand how it happened. I called her back and told her I would send her the photos as well as photos of the damage, which, as you can see, was minor: some abrasions on and under the bumper lip. But the car was barely six months old!

I still hadn’t received the photos of the cars so I went back to the house and spoke to the woman’s husband. They couldn’t figure out how to download or send the photos on the cell phone. A few days later, I got this, which seems to be a photo of the cell phone screen. It arrived as a 314 dpi image of 2.3 MB:

I sent the photos. I wasn’t expecting to have to go through the insurance companies.

The last communication the driver sent me was an e-mail that in its entirety read: “Please be advised that I am totally unaware of how your car was damaged and deny any responsibility for said damage.”

Well. I think she took some bad advice from friends or family.

The next call I made was to my insurance company. I had the offending parker’s license plate number, e-mail address, and phone number. I also had the witness who took the photos for me. The agent told me to go ahead and get the car fixed, so I did, at the cost of a $500 deductible I was sure to get back when this was settled.

The agent handling my case got in touch with me again on November 11. The offender refused to provide my insurers with the name or contact info of her own. My insurance agent said that I should go to the police to file a report for a hit and run. The police would get in touch with the other driver/parker and ask her for her insurance info.

The police were not cooperative, but the officer who dealt with me was extremely helpful. She told me that my insurance company was taking the easy way out instead of hiring their own researcher. They wanted the police to do the work for them. Further, the officer called the Golf driver and explained the situation, strongly advising her to cooperate with my insurance company. The officer spoke with her for a good ten minutes. The call ended and she told me that the offender had promised to call my insurers.

I was hopeful, but it never happened. By the end of the month, my insurance company went to find the parker’s info.

I heard nothing for two months. I sent an e-mail to my agent on January 11 and heard back that while the company was in touch with the parker’s insurance company, said parker stilled denied the incident. Given the photos and the witness, that didn’t seem to me to be a prudent course of action.

Last week, I got word: my insurance company had prevailed and I would be reimbursed in full. In one way, it’s a shame, as I was all set to launch Operation Public Humiliation, but now that the issue is settled, I can leave the parker anonymous.

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