On Saturday (Aug 18), I was involved in an automobile accident. I had just dropped a client off from showing properties and was on my way home. I was the first vehicle at the stoplight at Tower Grove and Arsenal. The next thing I know, there's this loud crash and someone has rear-ended me. I had my foot on the brake, but the vehicle behind me kept pushing my car forward. I was somewhat in shock, because I hadn't seen it coming. Several people had witnessed the accident and stopped to help. A wonderful middle-aged couple helped direct traffic and some young guys came running up to assist. The girl in the car behind me was having a seizure and was still unconscious. Apparently, they had seen her having the seizure and that was why she ran into me. One of the guys must have had medical training, because he worked with her until she regained consiousness, and until EMS arrived.
I want to thank the EMS people and the witnesses who assisted us. They were great. I also want to thank the policeman who worked the scene. Officer Murphy, thanks for your help. You did a great job, and I appreciated it.
Her car had to be towed. My car is drivable, but has pretty major damage on the rear end. The trailer hitch is completely bent under, bumper is ruined, spare tire compartment is smashed. Repairs will cost in the thousands of dollars. She was not injured in the impact, but they had her in the ambulance when I was told I could leave.
I went downtown this morning to get a copy of the police report (You have to wait 5 business days to get a copy). After paying my $5.00 for the report, I am reading it, and guess what - the young lady who rear ended me does not have auto insurance. It also states on the report that she knew she had epilepsy and has had seizures in the past. EMS concluded that she had a seizure while driving. She was unable to provide proof of insurance and was cited accordingly.
So, she knew she had this condition, and not only chose to drive, but chose to drive without insurance. She could have killed herself or someone else....
Now, I get stuck paying my deductible just so I can get my car fixed. It's aggravating. Citizens like me, who try to do the right thing and make sure our insurance is paid - would not drive without it - are the ones who get screwed. Sure, she has epilepsy for the rest of her life, and her car is not drivable, but why should I have to be penalized for her lack of responsibility?
I know it could have been much worse, and I'm grateful no one was injured or killed, but I needed to vent...