Thursday, October 11, 2012
So I was trucking along, having a good day...
and then last night, as I was on my way to Stitch-n-B*tch, I hit a deer.
I'm fine, only minor damage to the car, can't speak for the deer. But it was a big deer. An eight-point buck. Dang.
I'm actually really lucky. I didn't swerve, which is good; I could have easily either gone into oncoming traffic or over the embankment. I credit having grown up in the middle of "deer country" for that. Folks from those parts know that it's always better to keep the wheel straight and firm, nail the brakes and risk hitting the deer than it is to swerve and miss. It could make the difference with your insurance. If you hit the deer, the comprehensive portion of your insurance covers it. If you swerve and you hit something - or someONE - else, besides increased risk of bodily harm or fatality, the COLLISION part of your insurance covers it... and, depending on the damages, you could get cited and/or fined and your insurance will almost certainly go up.
Let that be a lesson to you out there...
So I'm stressy about that right now. Luckily, I have an AWESOME insurance company with great customer service, and I'll have the car in for an estimate/repairs tomorrow. I'm only going to be out-of-pocket for the deductible, which is $500. $500 is not chump change, don't get me wrong - but $500 is not $3k, which is not an unheard of cost to repair the hood of a car (that's what sustained the most damage).
But I've been so preoccupied that I didn't sleep right, didn't get up early to exercise (so I now have to do it after work, which I hate), forgot to eat breakfast until JUST NOW (it's almost 1pm!), and I look/feel like something the cat just coughed up.
Now that I've spoken to the adjuster, I'm sure I'll be okay... but... bah.