new 2024
Well, the 2012 X5 35d BMW SUV is at 175,000 miles, and while still going strong, the wife-mate has been jonesing for a pick up for years, and is deeply concerned that just maybe it's time to retire i...
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Well, actually, when I posted that last one, I had only put 4,000 miles on it, but I digress.
At 4,260 miles, I got rear ended. The video from my rear facing dash cam shows the little white car Waaaaaaaaay back there as I slowed to a stop on the highway to make a left turn. Speed limit in that area is 55, and driver had at least 10 seconds warning before impact, and did slow down some. The story was saw a stop was needed, put arm out to keep dog in passenger seat from hitting the dash. But then evidently forgot about the stopping part.
Anyway, damage to truck is about $14,000. No one was injured, although dog did still hit the dashboard, no doubt with less force than it might have. For a number of reasons, including fighting with insurance, parts availability, and getting scheduled into body shop for repairs, we may not have use of the truck until mid-August.
I guess this proves we just can't have nice things, eh?
Well, final verdict is in: The almost-brand-spankin-new truck is a total. The frame is bent badly, and my insurance has picked up where the under insured other driver's insurance called it quits. I took the advice of my insurer to let them total it, accepted the check yesterday, and now begins the search for a new truck.
The other driver had the minimum allowable (in Virginia) coverage of $20,000 with Elephant, which took them a whole month to decide they were out on. I'm with Farm Bureau, and they took less than a week to come back saying due to the bent frame, they had to call it a total.
I gotta tell y'all, really cheap insurance with a company like Elephant is only cheap, it is not good, nor speedy. It's proof of that old adage, you can only have two of the three: good, fast, cheap. I'm heartened that Virginia evidently raised the minimum coverage to $30K as of July 1 this year. But, still, what sort of cheapskate carries only the minimum when it is that low?
le Sigh
