Yesterday afternoon, on my way home from work, I was rear-ended. I don't really like to use the term "rear-ended" cause it kinda sounds dirty, but he hit me from behind (not sure that's much better). I was sitting in traffic at a stop light and he smashed right into me. It took me a second to register what had happend. My sunglasses flew off my face and my cds, that I keep in my visors, were scattered throughout the vehicle. Thankfully I didn't pee myself, but I was pretty freaked out.
My truck died and wouldn't move. I got out and my first thought was, "oh dear God, he doesn't have insurance." I called the police and they were there within minutes. The officer had to push me into the nearest parking lot because my truck was useless. I was in tears, mascara running all over my face. The officer informed me the other driver did have insurance and not to worry. He issued him a citation and we were on our way. Mind you, I was driving down 183 with my back window flapping up and down because it won't latch anymore, nor will the door open.
I get home, call my insurance, file a claim and found out about seeing a doctor. My neck was already killing me. This morning I talked to the medical adjuster, the auto adjuster, my agent and the estimate guy who came by to check out the damage. My insurance was quick to respond, but the other insurance company had yet to contact me.
I decided to be pro-active and called the other insurance company myself. They hadn't even assigned the case to anyone yet. Great! Finally someone calls me, tells me they have sent me some forms to fill out and an adjuster will be contacting me to set up an appointment to check out the damage. The lady finishes the conversation with, "oh, and the other driver is not covered on the policy, so we've sent you a letter regarding that issue...don't be alarmed." When I inquired about what that meant for me and getting my truck fixed, she said, "oh, don't be alarmed when you get the letter." HUH? Don't be alarmed? Are you freaking kidding me?
So now I'm sitting here stewing, just waiting for my phone to ring so I can rip someone's butt. How did the officer not notice the name on the driver's license and the name on the insurance didn't match? Is the other insurance company going to cover the expenses? I will not be out my deductible to have my insurance cover this. And won't that mean my rate will go up? The system, well, it just plain sucks. The officer informed me that they can't even state who's at fault anymore. Yeah, they issued the guy a citation and yeah it was more than apparent that he hit me, but they can't say who's at fault. Again, are you kidding me?
My insurance did tell me the other driver admitted fault. But answer this: what idiot calls up an insurance company and files a claim for a policy he's not even on? I'm so confused and mad and all I can do is sit here and wait.