I Need To Vent…
… and this is long so please pardon me.
On Saturday, 21 July I was on Jan Smuts Avenue, driving towards Rosebank. Just as I drove past the JHB Zoo on my right, I was forced to stop abruptly due to a taxi that had stopped in the middle of the road. Luckily I managed to stop before bumping into the car in front of me but it wasn’t the case for the lady driving behind me.
She hit my car at the back and later on told me it’s because she was busy looking for her necklace and that’s why she didn’t see she had to stop.
Anyway I took down her details and reported at the Rosebank Police Station. From what I could see, my car wasn’t badly damaged. The bumper was scratched, my plates were trashed & my sensors were now beeping whenever I went into Reverse.
Came Monday, I called my insurer dial direct, they sent me to an assessor and by Friday my claim was approved and I was told I could take the car in for repairs & get a courtesy car. My excess, I was reminded, was R3 750 and once the lady’s insurance paid, I would be refunded the excess. It’s money I didn’t budget for, but cool, what choice do I have.
So I told the repair place I’ll call them on Monday (30th July) and set up a time to bring in the car. The rental department said as soon as my appointment to drop the car off was confirmed, I should let them know so they can arrange a rental car. No problem, so far I’m happy with this service.
This was Friday, and on Saturday I decided to go to the FNB Stadium to watch Chiefs and Pirates in the Black Label Cup. I won’t mention the game or how it ended… it’s history. We got out of our suite around 11pm, hoping the traffic was gone but we got stuck in the parking for about an hour and on our way home, Rand Show Road, on the bridge over the N1, we stopped to yield at the traffic lights (they are out of order) and here comes this guy in what looked like a Corsa Bakkie (Registration BK 67 ZR GP), he came at high speed, banged my car hard from the back, then reversed and drove off. I immediately got the sense when he reversed, that he was gonna do that so I managed to follow him long enough for us to note the registration. Thank goodness I was not alone in the car.
So Allegro and I sat in the car, and we wrote down the details of this car that ran off and I remember going “Wow, wow!” Coz I couldn’t believe that I had a second accident, exactly like the one I had the week before and that this guy hit me and just ran off. Allegro was like “let’s check the car” so we got out and damn, my poor heart! It is bad and the back is completely messed up.
A police car approached, we signalled for him to stop, he advised us to go to Diepkloof police station as it was the nearest. Based on my previous experience, I confirmed details of our exact location at the time, so I could submit it to the police.
We then drove to Diepkloof police station as advised. Heheh I won’t go into details of the attitude we were met with or how this one cop was singing JLO’s “If You Had My Love” while there was a woman bleeding from a screwdriver wound, what matters is that after spending an hour waiting and involuntarily listening to other cases that were being reported (there is NO privacy there), we got a nice female officer who helped us. I took Allegro home and got home at 3am. Thank God we were both fine and I could still drive the car.
I was fine till I saw the damage in daylight on Sunday morning, I apologise to GOD for the number of times I said F**K!
This morning (Monday) I called my insurance to tell them of the 2nd accident. Before even finding out if I was okay, the lady I spoke to was quick to tell me I was gonna pay 2 excesses regardless of how/where the second accident happened. My attitude changed at that point coz I wondered, how do I pay 2 excesses when the car got hit at exactly the same spot? I then told her if that’s the case then I will take in the car for them to fix the first damage only, I’m curious to see how they will do this and I promise to be difficult.
Am I crazy for hoping that the insurance will first ask about my well being before reminding me of what I have to pay? That they would pretend to care about my well being as a client and ask “Are you okay?” not as one of the last questions, in passing, but actually as part of the service?
As it is now, I took the car for another assessment and I’m waiting to hear if this second claim will be approved. If they mention the 2 excesses story, trust me, you’ll hear about it…
Have you ever been in such a situation? Two accidents at the same spot, in the same week?
Feel free to share your worst or best car insurance experience. I feel light after sharing…
Thanks for reading.