This Is the Song That Never Ends...
I suppose it's unrealistic of me to think that I should have gotten some sort of recompense or closure or satisfaction or ANYTHING regarding the death of the EPM, but I want it just the same.
MAIF (the at-fault vehicle's owner's insurance) has finally decided that lo! they are not liable because the owner lent the car to someone who lent it to someone else, so they have supposedly issued a denial letter, which somehow, despite the more-or-less instantaneity of faxing, has not gotten to my insurer since midday yesterday. When it does, my insurer informs me, some dude will have to look at the car (which may already be a paperweight, but the woman I talked to said "I'm sure they wouldn't've done anything to it without contacting us") to determine whether or not it's a total loss. Let's see: back windshield shattered, rear driver's window shattered, frame torqued, bumper missing, trunk smashed to hell, gas tank ruptured, rear door smashed to hell, 120,000 miles... I'm thinking we can skip that step. But no, they need to physically look at the car, which has been sitting outside with two windows missing and the trunk open, for A MONTH AND A HALF, in order to make an assessment of its Actual Cash Value at the time of the crash.
Why do I suspect they're going to come in on the low side of the blue book value?
After they determine that it's a total loss, it gets pointlessly transferred to someone else, and then they start the uninsured motorist claim, which no doubt has some provision by which I will actually owe THEM money, but not to worry, that process won't be done until 2018, by which time I will have died. Possibly from driving my car into an insurance agent while giving myself a heart attack, you know, so I won't be liable...
This is just the stupidest fucking thing I've ever been involved with. My car was parked in a residential neighborhood, some fucking asshole drug dealer got himself shot and wrecked it, and I am the one that suffers. This is going to make it really hard for me to watch My Name Is Earl, you know?





