Thursday, March 13, 2014
A Little Rant
When you are attached to something with an inclined plane wrapped helically around an axis you are...? Hint.. it's the same thing as when your car is run over by a truck owned by the State of Ohio. If you didn't see last week's post, scroll down to look at the picture of the Subaru. Back? OK. Here's the strange tale of how things work in Ohio.There was never any question that the BASDT ( Big Ass State Dump Truck) merged into my car at 50 or 60 mph , took out the right side, pushed me and the dog down the road with amazing force and left us 75 feet down an embankment. The risk management person from ODOT assured me at the scene that they were" Self Insured " and all would be well. What I didn't understand is that meant "MYSELF" not " THEIR SELF " !!! Yes friends the State of Ohio accepts responsibility for the accident but my insurance company picks up the tab. Supposedly there is to be no impact on my claims history, we'll see. Remember Sovereign Immunity from school? This is it in action. The state will generously cover my deductible and any rental car days beyond the 30 my policy covers. Five minutes before my car sustained $ 9K in damage it was worth about $ 18K. Even if it is perfectly repaired, it will never be worth even $ 14K with that big an accident on the CarFax. I have been up and down the food chain on this and cannot get anyone to consider totaling my car or compensate me for the loss of value that I have to eat on this deal. They tell me I'm screwed, I tell them I'm pissed and nothing changes. So if you see you are about to get hit by a "BASDT" try to get out of the way. The only one who is going to get hurt is you and no one will make you whole again. Sometimes when no one is interested in making you happy you just have to decide to be happy anyway. I'm trying. be patient. Thanks for listening.