So dan and I are headed to Subway for lunch…. mere FEET from the parking lot entrace a big white SUV decides that mine lane looks better than his, and proceeds to merge into it, and me. I hop to the right barely avoiding him as his realizes and moves back, but its too late… WHAM.

With the sound of a full on collision, so loud the guy actualy STOPPED in his lane… and then sped off…. I had hit the curb. My front passenger wheel rim is bent on the edges, a large gouge is taken out of my tire, and the front bumper is all kinds of effed up. A cop was just far enough behind to pull up behind me, but not see the guy who ran me off the road, or to chase him down. Seeing that there was no actual accident, she doesnt have much reason to write a report, so helps block traffic while I move the car up into the parking lot, and heads off.

Im pissed, naturaly, but my only solution at this point is to take out my spare, put it on, and just worry about this later when I have a clear head. I pop open the trunk, lift out the spare… and guess what? Looks like when i had a tire replaced about a year and a half ago back home, the goodyear place didnt put my jack and iron back into the trunk… so all I have is a tire with a big open storage hole under… WTF!?!?!

Yeah… great. Did I mention i let my triple A lapse when I moved? Dan tries calling his cingukar road sisde assistance, but they say because it was classified as an ‘accident’ because I was run off the road, they wont help for free. So, I go ahead and take the plunge for the long ardruous phone call that I must make to my insurance company, Progressive. I give em a call, she takes my info, pulls up my account, logs the claim, and tells me she is about to forward me on to the local claims office. After 15-20 minutes on hold with her checking back now and again, she says she cannot get though to them, and that they will be calling me back in the next 2 hours. I go ahead and hang up, and call jesper to pick Dan and I up so we can go get his car and get back to the office, not 1 mile from the restaurant lot we are in.

I get back to the office and shortly after progressive calls me back… here is where it gets good. Apparently they are telling me that about a month ago when I changed checking accounts, when i entered my new info in the system online, it didn’t take right. They can confirm for me without a doubt they have yet to send me any notice of this. This past Friday dad got in the mail my june, 6 month renewal paperwork, and new proof of insurance cards. He mailed them to me yesterday. However according to their systems, on the same day my renewal notification paperwork was mailed off, they canceled my policy for lack of payment, without ever notifying me. They understand they never notified me that they were unable to charge my account, and they don’t give a damn, My account is closed, my only option is to open a new one, but that wont cover this, since it happened during the one week my coverage was lapsed.

I have no recourse with them, at all. I resign to my fate of paying out of pocket, so I have arranged for a local place to tow my car home, where it is going to sit in the driveway untill I can figure out how to pay 500 dollars for a new tire and rim after parts and labor. Fuck the bumper, it will have to do.

Being the responsible person I am I immediately tried to get new insurance, so I went right to Geico, my old providers. They quoted me 528 for 6 months, or 103 a month. being 30 cheaper a month than progressive was, I was happy. I signed up, went though all the hoops. On the last page, they said they had to “update” my rate, due to information gleaned from a history check. Back in November in my neighborhood I was turning right at a 3 way stop in my subdivision. I did not come to a 100% complete stop, more like about just under slow walking speed as I turned right. A cop was in a driveway, and followed me quietly all the way to my house and threw on her lights after I pulled into the drive way and got out of my car. She wrote me a ticket for running a stop sign (and not to mention was so rude that I both filed a complaint on her, AND had another cop at a random road block a few weeks later even joke with me that shes a known ‘issue’). Because of this new information geico wanted to change my quoted rate from 528 per 6 months at 103 a month to 1190 for 6 months at 218 per month, WHAT the HELL??

Fuck that…

I’m now sitting here waiting for American Towing to call, so I can meet them at my car.. and just get it back to the house, and get this all over with… *sigh* I’m miserable… and pissy… and in a bad mood….