Not long after the accident, I was shocked to receive a letter from Dick’s insurance company. They blamed me for the accident and planned to collect on the damages to his vehicle. (Makes sense, right!?!) After all, the police report clearly stated he was at fault for reckless driving. The letter, however, stated their investigation revealed that I “may be legally responsible for this loss.”
According to my car Insurance Company, it would have been an open shut case if I had renters insurance, but I didn’t. (Confused the hell out of me too.) With no insurance company on my side Dick’s insurance was after me personally for full reimbursement in the amount of $6, 500.39.
Usually when push comes to shove, I suck up my pride and back down. Not in this case. I was the victim. This had to be resolved, and I wasn’t going down without a fight. So, I called the number listed at the bottom of the letter. (Big mistake! Only communicate with insurance companies in writing.) The lady handling my case sounded like she hated her job and her life. Monotone, and unmoved, the wench informed me that it wasn’t her problem.