Ok, so I was in an accident last month that saw my car completely written off. I was in a south-bound lane waiting in the intersection to make a left hand turn. The light turned yellow and the two other cars that were traveling towards me in the north bound lane appeared to be slowing down to stop, so I looked left and proceeded to make my turn. The next thing I know there's a red car in front of me, followed by the airbag exploding and then by my horn going off.
I was helped out of the car by some kind strangers and then waited for the police, fire, ambulance and tow trucks to arrive. I was pretty shaken up and everyone was concerned that I had hit my head. In reality I was just shaken up.
To make a long story a little bit shorter, I received a letter from my insurance company stating that I was 100% at fault (apparently the person making a left turn is always at fault). They couldn't find the witness to verify my story. So, that means I lose my $500 deductible and my insurance goes up.
Fast forward to August 15th. I had just arrived home from my knee surgery and we received a phone call from our claims adjuster. Apparently she wasn't feeling right about the way things turned out, so she decided to phone the police and double check some info. The officer then provided my adjuster with a new phone number for the witness (who had been in the process of moving), so she called to get the facts. The witness stated that the other car ran a red light!
My wife and I were stunned. Just like that I was innocent! And just like that I got $500 back and was able to tear up the letter saying that I was at fault. Suffice to say that we will no longer have to fork over an extra $2000 during my next 7 years of driving. Everything stays the same.
Ah yes...but this is only part 1 of the great car debacle. Please stay tuned for part 2.