Just as the title implies, I was rear ended a little over a week ago. I was sitting still on I65-S at the ramp for 264-E (this gets backed up some mornings). I looked in my rear view just in time to see a silver grand am sliding into our lane from the next one over. At this point I stopped watching a looked for a way to dart into the emergency lane. Alas, I had not left enough room between me and the person in front of me to get over. The grand am struck a gold van 2 cars behind me. This pushed van forward into the side a white altima that was right behind me. The grand am then spun around from the impact with the van and stuck the back of the altima. Both the van and the altima struck me. This pushed me into the car infront of me, but just barely. Thank God that by the time they struck me they weren't going very fast. I haven't haven't had any pain since then, so I assume I'm ok.
I ended up with a van in the passenger rear quater panel, and an altima almost underneath my rear bumper. My front bumper was quite spidered due to the impact with the car in front of me.
I got out of my car, and handled it better than I expected. The party driving the grand am was hysterical. Running around all crazy. I has to go turn the vehicle off as it was still running (coolant leaking everywhere). I didn't want to take a chance of something worse happening.
But wait, it gets better. I wait a couple of days for the police report. I finally get it, and a) the description of the accident is wrong (only said one car made contact with me) and b) the woman who caused the accident has canceled insurance. I spoke with my insurance the day of the accident, and they told me that I didn't need to file it with them because it would then be a claim against me. I spoke with them again after I had the police report and they said I didn't really have a choice. I had to file with them or pay for it out of pocket.
So moral of the story is, if you live in kentucky and some hits you without insurance, you pay for it. They get a fine and possible some jail time (more than likely probation), but you pay for everything. And get this sports fans, even with uninsured motorist coverage, you still have to pay the deductible. It only covers medical bills.
Now I've got to take my car to a body shop (still sitting in my garage) and work the insurance monster to get paid.
P.S. - I spoke with the police officer who wrote the report and he stated that he would not be changing the report as the party responsible for the accident didn't have insurance so it didn't matter.
I ended up with a van in the passenger rear quater panel, and an altima almost underneath my rear bumper. My front bumper was quite spidered due to the impact with the car in front of me.
I got out of my car, and handled it better than I expected. The party driving the grand am was hysterical. Running around all crazy. I has to go turn the vehicle off as it was still running (coolant leaking everywhere). I didn't want to take a chance of something worse happening.
But wait, it gets better. I wait a couple of days for the police report. I finally get it, and a) the description of the accident is wrong (only said one car made contact with me) and b) the woman who caused the accident has canceled insurance. I spoke with my insurance the day of the accident, and they told me that I didn't need to file it with them because it would then be a claim against me. I spoke with them again after I had the police report and they said I didn't really have a choice. I had to file with them or pay for it out of pocket.
So moral of the story is, if you live in kentucky and some hits you without insurance, you pay for it. They get a fine and possible some jail time (more than likely probation), but you pay for everything. And get this sports fans, even with uninsured motorist coverage, you still have to pay the deductible. It only covers medical bills.
Now I've got to take my car to a body shop (still sitting in my garage) and work the insurance monster to get paid.
P.S. - I spoke with the police officer who wrote the report and he stated that he would not be changing the report as the party responsible for the accident didn't have insurance so it didn't matter.
