When Life Meets Coyote

Real Estate Broker/Owner with eXp Realty LLC NM Broker License 16161

Over the past several days I have received several emails and phone calls from many of you in my virtual yet real Activerain online office. THANK YOU! The question has been the same. Where are you? The good news I am still in Santa Fe. The rest of the story is all about a coyote.

Given Realtors are still humans, life happens and sometimes it changes everything including blogging on Activerain and driving. I suspect you may be beginning to connect the dots. Imagine driving on a dirt road in Santa Fe NM when all of sudden a coyote decides to cross the road without looking both ways. This is what happened to me. Fortunately for the coyote, I hit my brakes. Unfortuantely, my car fish tailed on the wash board dirt road and proceeded to head over the edge of a relatively steep embankment. Fortunately, a rock stopped the car on the edge and I did not roll over and I am AOK as is the coyote.

My car is in the shop for a couple of weeks and eventually it too will be aok. The other lesson of this story is all about car insurance. For some reason, insurance companies (mine included) strongly encouraged me to hit an animal rather than avoid hitting one. Given I did not hit the coyote (or any other animal for that matter), the insurance companies automatically assume I lost control of my car. In their eyes, I made the wrong move by braking to avoid killing an animal and possibly myself.

Now in my eyes, I did the right thing. In the process, the coyote and his or her spirit gave me a gift of life in return. I did not roll over the edge and down the embankment. I was not injured. And in the end my car will recover. What's your take? What do you do when an animal crosses your path?


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Our Santa Fe real estate market is a local one. Search All Santa Fe Listings Here and get results in both an easy list or map search. If you want to see a SOLD sign on your property or you want to make a lifestyle change by moving here, call me at 505-660-4541 to schedule a real estate consultation. No one has time or money to waste in this new landscape of real estate online. I am available to help you and make a positive difference in your real estate experience. Remember dreams are made a reality only when you act on them. Emily Medvec

Today, I represent Sellers and Buyers in all price ranges in Santa Fe and throughout northern New Mexico. My focus is to use my experience, vision and strategies to find you opportunities and solutions. My goal is always to save you time and money whether you are selling or buying any type of Santa Fe real estate, including homes, land, town homes, condominiums, ranches and commercial property. Here are recent reviews from my past clients about my know-how and service. Until you are ready to Buy or Sell, let's connect and learn more about each other on Facebook or Twitter

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Re-Blogged 1 time:

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  1. C. Lloyd McKenzie 07/13/2012 09:26 AM
ActiveRain Community
Almost Anything Goes
Diary of a Realtor
It's Raining DOGS! Dog Lovers Group
when life meets coyote
car insurance
santa fe new mexico

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Jay Taylor
Cre8tive Apps, LLC - Austin, TX
Glad you are ok. I agree, you did the right thing. I prefer not to take an animals life if it can be avoided withou putting my life in serious jeopardy. While it sounds like there was some potential danger, it worked out.
Jul 10, 2012 02:17 PM #1
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy


Wow, what a story...we always avoid hitting a creature, and we lived in Napa that was a trial as the roads were sometimes littered with dead animals...we always wondered what they did with that minute they saved by running a creature over...just because you saved an animal does not mean you lost control, I think you exercised control.  Glad to hear you are doing well, A

Jul 10, 2012 02:26 PM #2
Emily Medvec
eXp Realty LLC - Santa Fe, NM
Realtor | Serving Santa Fe & Northern NM

Jay, at that moment I had a choice to save a life. I put the coyote first. Thank you for stopping by. Welcome to Activerain!

Alexandra and Ron - I have been know to stop for lizards! What was unexpected was the wash board stretch of road I was on at the moment despite the fact I was still moving less than 20 mph. And like you I wonder who saves time by killing animals? Thank you for checking in. I'm ok and ready to change the insurance industry attitude!

Jul 10, 2012 02:36 PM #3
Anna Banana Kruchten CRS CRB, Phoenix Broker
HomeSmart Real Estate BR030809000 - Phoenix, AZ

OMG Emily...I've been out of town and out of touch.  I didn't know anything about this.  I'm so glad you're ok and nothing more serious happened.  You've got a guardian angel ( maybe an animal one) looking after you for sure.  Craziness with insurance company.....

Jul 10, 2012 02:58 PM #4
Mona Gersky
MoonDancer Realty, Dillsboro,NC - Sylva, NC
GRI,IMSD-Taking the mystery out of real estate.

Emily, I haven't been out of town but I have been out of touch.  There's no question but to apply the brakes and avoid taking another life at all costs.  I love your perspective that by saving a life you were given a life.  I'm so happy you are okay and hopefully will have no issue with the insurance company.  They are paid to say no first.

Jul 10, 2012 08:55 PM #5
Peter den Boer
Atlanta Communities - Woodstock, GA
MBA,GRI, Associate Broker, Realtor

Emily - I must admit I too try to avoid running over anything. I think I would have done exactly what you did. Glad you are OK and hope the car will be too soon!

Jul 10, 2012 10:19 PM #6
Emily Medvec
eXp Realty LLC - Santa Fe, NM
Realtor | Serving Santa Fe & Northern NM

Anna, as you know in many Native American legends, the coyote is the "trickster" and in the legend the story goes the coyote will break the rules in legend and mother nature, either maliciously or intentionally (the story goes) with positive effects and to raise awareness. This one is my neighbor since this happened only minutes from my home. An arroyo brings water through the heart of my northside neighborhood and along with it all kinds of animal life. Yesterday it was reported we now have two find deer bucks on the road with us. In many ways, we all watch out for each other. Thank you for your concern. I'm now new and improved!

Mona, you words "they are paid to say no" appears to be on target. My car will be repaired. My rates will increase. There is no reward or thought about what happens and why. In my book, everytime some takes a life with a car their rates should go up not the opposite. We all make choices every day in the universe we share will all living things.

To everyone. My take now is all about my neighbor the coyote's lesson...awareness. I have now made this blog public. Your comments and input will be appreciated and seen. As Realtors we spend most of lives in a car....

Jul 10, 2012 10:27 PM #7
Carol Faaland-Kronmaier
Weichert, Realtors; Hillsborough - Hillsborough, NJ
PhD, e-PRO, Manville, Hillsborough, Somerset NJ

Emily, I also think that avoiding an animal is the best course of action. I would think that hitting something in the road would lose control of your car also!  The insurance company is crazy! Hope that everything is completely AOK for you soon.

Jul 10, 2012 10:29 PM #8
Emily Medvec
eXp Realty LLC - Santa Fe, NM
Realtor | Serving Santa Fe & Northern NM

Peter, thank you. Now I wonder if the people who make these rules have any compassion for living beings!

Carol, I'm AOK and thanks to my neighbor... smarter about the unwritten rules in auto insurance policies. My local insurance agent who happens to be a pro was completely unware of this "attitude" ... like everything in life I believe things happen for a reason. There is no time to every stop learning and along the way making a difference. Thank you for stopping by.

Jul 10, 2012 10:45 PM #9
Debbie Laity
Cedaredge Land Company - Cedaredge, CO
Your Real Estate Resource for Delta County, CO

Sorry to hear about your car. Car troubles stink. I think you did the right thing. We have the same issues with wildlife here in rural Western Colorado. Only if you hit that deer, you aren't suppose to say that. It's illegal to hit a deer. You have to say the deer hit you. This may sound funny, but that's what you have to say. I know of one case where the deer really did hit someone. It was my husband and his truck. The deer came running right out and smacked into the side of the truck and took out the headlight. The deer ran away from the incident and wasn't charged.

Jul 10, 2012 11:10 PM #10
Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi
NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656 - New Lenox, IL
708.921.6331 - 40+ yrs experience

Good God, Emily!  So glad to hear that you are fine ... but also that your car will be repaired as well.  Funny though that you mention the Native American's view and stories surrounding coyotes.  Guess living with my wife has rubbed off, but it was my first thought when you mentioned the animal you were trying to avoid.  Perhaps a bit of New Mexico folklore entered into it too.  I've heard the theory about hitting animals before.  I know a friend of our youngest son that lives in Virginia says that is the instruction they teach in VA regarding hitting deer.  But I find it hard to think most would follow that instruction.  Instinct would be strong and tell you to avoid hitting anything, let alone an animal.  Personally, I think you did the "right" thing as a human.  I guess the insurance companies think monetarily only ...

Again, glad to hear you are in one piece and healthy ...


Jul 11, 2012 07:10 AM #11
C. Lloyd McKenzie
Albuquerque, NM
Living Albuquerque

Good Evenng Emily,

I am glad to hear that you are doing okay.  The "FORCE" is strong with you.  I agee with your thought process...you spared the coyote's life and so your life was spared.

Let's see...if you hit the coyote you would not be here to submit the insurance claim...luckily you did what came natural.  May the "FORCE" continue to be strong with you Emily!

Have a great New Mexico Weekend

Jul 13, 2012 09:20 AM #12
Adrian Willanger
206 909-7536 AdrianWillanger-broker.com - Seattle, WA
Profit from my two decades of experience

Emily, I would have done anything to avoid hitting an animal and  I wouldn't have any issue taking this up with my e-insurance company if they question my driving or for that matter my motives. 

Jul 13, 2012 09:30 AM #13
Mary Yonkers
Alan Kells School of Real Estate/Howard Hanna Real Estate - Erie, PA
Erie/PA Real Estate Instructor

Emily--what a story!  I followed link from Lloyd.  Yes, may the "FORCE" be with you & keep you strong.

Jul 13, 2012 09:31 AM #14
Silvia Dukes PA, Broker Associate, CRS, CIPS, SRES
Tropic Shores Realty - Ich spreche Deutsch! - Spring Hill, FL
Florida Waterfront and Country Club Living
Emily, glad to hear that you (and the coyote) are ok! I brake for animals as well... I feel sorry for every raccoon, armadillo, bird, turtle, and whatever else gets killed on our roads.
Jul 13, 2012 12:23 PM #15
Leslie G. Rojohn
MoonDancer Realty - Sylva, NC
GRI, ABR ~ MoonDancer Realty

You absolutely made the instant and correct choice.  I wonder, does the insurance company feel we should run over children who dart out into the road.  Arrogant humans, to value the creatures less.  Blessed be the the innocents.

Jul 13, 2012 03:09 PM #16
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

Emily, just glad you are not seriously injured, the car can be replaced!    Have missed your posts!

Jul 15, 2012 06:59 AM #17
DeeDee Riley
Lyon Real Estate - El Dorado Hills CA - El Dorado Hills, CA
Realtor - El Dorado Hills & the Surrounding Areas


I'm so sorry to read about your accident but am glad you are ok!  I would do the same as you, I'm sure!  To me an accident is an accident, regardless of whether you hit the animal or avoided it and hit something else.  What if it had been a person, would they expect the same?

Have a good week!

Jul 15, 2012 05:15 PM #18
Kathy Streib
Room Service Home Staging - Delray Beach, FL
Home Stager - Palm Beach County,FL -561-914-6224

Emily- first of all, I am so glad you are ok.  I have been thinking of you in the last week or so and no excuses..time got away from me but did mean to call.  There seems to be a dearth of common sense not only in individuals but also in companies.  

When we lived in VA, people actually died or were seriously injured when their vehicle and a deer collided.  So I have no idea what the PTB at your insurance company are thinking but I can tell you where their heads are. 

Jul 23, 2012 01:44 AM #19
Georgie Hunter R(S) 58089
Hawai'i Life Real Estate Brokers - Haiku, HI
Maui Real Estate sales and lifestyle info

Glad to hear you are aok, even though your car wasn't.  It's a tough call and of course our first reaction is always to swerve and/or brake.  Lucky for you it wasn't worse.

Jul 27, 2012 10:10 AM #20
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Emily Medvec

Realtor | Serving Santa Fe & Northern NM
Emily Medvec Sells Santa Fe Real Estate! Call/Text 505-660-4541

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