I understand the importance of having insurance. Whether it’s home, auto, health, renters or life.
Having insurance gives you the assurance and peace of mind that things will be okay after and accident or incident. Or so I’d like to believe.
In 2019 I suffered a series of unfortunate auto accidents, of which non were my fault.
First, I was at complete stop, in traffic on the freeway, when the vehicle in front of me stalled and as it’s owner frantically tried to crank the ignition, the vehicle started rolling back. As I observed the vehicle rolling, I sank my hand on my horn to alert the driver. All of those efforts were to no avail, because the vehicle still kept rolling back, stopping only when he slammed into the front my car. To fast track the story, we both moved out vehicles to the shoulder of the freeway, called the police and waited and waited and waited some more for them to show up. When the cop finally showed up, the other driver told the police that I was speeding and slammed into the back of his SUV.
After some back and forth and getting really pissed off and yelling at the police about what exactly happened, I was about to get out of my car to go rip the other driver another asshole, when the police went back to the other driver, who finally admitted that his vehicle did indeed stall, but he stuck to the lie that I ran into his vehicle. The end result was the police issuing me a citation for following to closely. I subsequently went to court and had this ticket thrown out. However, getting my car fixed was challenging because the other drivers insurance company, of course believed their clients lie that he was not at fault for my vehicles damage.
I decided to not call my insurance company because the damage was minor and I knew I’d have to pay a deductible which would cost more than the actual repair needing to be done on the bumper or for that matter cost of replacing it.
Two weeks later, same freeway, a few meters from the first accident spot, stopped in traffic AGAIN, another driver, in a speeding car, slams into the back of my car, pushing me into the car in the front of me.
Again, all three vehicles pulled onto the shoulder. The driver, a young lady, quickly got out of her car, approached my car and impolitely ask, “you want my insurance information?” I said to her “yes, you can bring your documents while I call the police.” Her response was “why you wanna do that for?” and she quickly walked away, go into her car and sped off! This now turned into a high speed chase on the freeway with both me and the driver that I was pushed into, chasing this crazy girl down the freeway to at least get her license plate number for the police. As we played the dangerous game of cat and mouse, bobbing and weaving in and out of slow rush hour traffic, the 911 operator told both me and the other driver to discontinue the chase and pull over safely, she was about to have an officer dispatched to us.
The police office arrived not too long after, took statements from me and the other driver, checked our license and insurance and took all necessary information for the police report, and we were all off to our regularly scheduled programs.
My car is now damaged in both front and back so I have no other choice but to file and uninsured motorist claim in order to fix my car. I contacted my insurance company, provided all necessary details and had a check in my hand in less than a week. I had my car was repaired.
Fast forward to one year later, same month, different date, same spot, opposite side of the freeway, minding my own business driving to work at five eighteen in the morning (5:18am.) It’s Dark, there’s no traffic, and I’m in no rush. I start work at eight o’clock, and had about thirty five minutes more of driving to do to get there. My cruise control is set at 70 as per usual, my Sirius XM Satellite Radio Station set on Kirk Franklin’s Praise, and I am singing my gospel songs, taking my own time, minding my own business…. off to work I go.
As I checked my mirrors as I often do while driving, I noticed a vehicle in the distance behind me approaching my car at a rapid speed. I didn’t let it disturb me because I was driving in one of the middle lanes on a four lane freeway, with no other vehicle on either side of me and no other vehicle close in front of me, so there was several choices of passing lanes.
With the same quick glance I focused forward continuing my merry way on. Then out of no where the cabin of my vehicle started filling with a light that got brighter and brighter as the vehicle behind me approached faster and faster and no sooner than I glanced up to my rearview mirror – BOOM!!!! I was hit from behind. The impact pushed my car forward as if I were in a bumper car. My windshield wipers automatically came on, my horn was blaring, my dashboard lit up with traction, check engine, trunk and door open lights. I let out a scream, with my heart racing fast and hard while I try to keep my car in control. Then BOOM!!!! I was hit yet again. This time I started calling on the name of JESUS! I quickly checked my right side mirror to make sure that it was safe for me to pull off of the freeway and before I could even start switching lanes to the shoulder, BOOM again!!!! Three times this person rammed my car.
I’m now screaming to the top of my lungs and shaking like an earthquake as I scuttle my now waddling car to the shoulder. As I pull over, I’m expecting this driver to pull over also. Nope. He keeps on going about his merry business. Adrenaline kicks in and I start immediately start having flash backs about the last two accidents and how was I going to explain this to my insurance company or for that matter, repair my or get another vehicle. So I immediately dragged my gear into drive, pedal to metal and the chase is on, yet again!
As I raced to catch up with the now “on the run” driver, I saw him pulling over to the shoulder one exit up from the accident where there was more light.
Thanking God, I pulled up in front of him and immediately got out of my car with cell phone in hand, ran to his truck and started snapping pictures like crazy. When I had my fill of photography, I got back into my car and dialed 911 to report the accident.
While on the call, the other driver came to my window presenting me with his documents requesting that I took pictures of them as well.
When I ended the call with the 911 operator I asked the gentleman if he was okay, and what happened to cause him to hit me not once, not twice but three times. He simply replied “I’m not sure, but I may have fallen asleep.”
To make this here really long story shorter, the other driver had “good” insurance, and I got paid for my car, therapy and pain.
But the story does not end here. What has now ensued, two years after I made a claim for the hit and run accident, when the young lady slammed into the rear of my car and drove away. My current insurance company, STATE FARM send me letters in the mail last week to inform me that as of next month, they will not be renewing my policy them due to “excessive claims”.
Huh? What do you mean by “excessive claims” for coverage that is written into my policy and I’m paying for? Better yet, I’m paying for full comprehensive, which includes collision, towing, uninsured and underinsured coverage among other things.
Yes folks, State Farm is not renewing my coverage because I had two tows and an uninsured motorist claim. All of which my policy covers.
I contacted my insurance agent who contacted State Farm’s underwriting to enquire as to why I’m being dropped because I used the conveniences that I’m paying for. To their and my great surprise, the underwriter informed the agent that if a policy is less than three years old and you make ANY claims, it does not matter what the claim is for, that State Farm has a clause written into the insurance law or contract with the state, that they WILL DROP YOU FROM BEING INSURED WITH THEM.
My question is, why is the government allowing insurance companies to legally rip-off the public? Do you mean to tell me, I just need to be giving you my hard earned money every month, because it’s illegal to operate a vehicle in the state of Georgia without having at least liability coverage, and in the unfortunate event of an accident, if my policy is not three years or older I can’t file a claim to repair or replace my vehicle? So then why am I paying for insurance? Why doesn’t the insurance companies tell customers this in advance? To make matters even worst, the insurance companies have what they call a “clue box” which is accessible to all other insurance companies, and they put information about your claims and driving record in said clue box for other insurance companies to access, which then makes the other insurance companies not want to provide you with insurance coverage or jack their rates up really high to make your shit shiver.
In these tough times when the cost of living is high, prices are going up everywhere and for everything, and salaries are NOT increasing with the times, the government needs to step-in more than ever and regulate these BIG insurance companies from “legally” ripping people off!