Will Have to Make Some Decisions Today...

[janetupnorth]

I was in an accident today - slid straight through a curve on an un-sanded road...was going was under the speed limit, but still considered my fault.

I am waiting to hear if the insurance will total my van, do I still have to pay a deductible, is it worth yanking the bumper out and still driving or do I have to get another vehicle.

Please pray that things will work out. I only have a specific amount of money I can come up with for all this including yanking out of my "emergency fund".

I just need prayer that we'll hear quickly and be able to make the right decisions.

 

[twinkie10]

Got you covered! Glad you're doing okay! The weather is crazy around here! Terribly cold and slick.

 

[janetupnorth]

-20 wasn't fun...luckily the van still ran to keep us warm until tow trucks arrived and no injuries.Thanks!!!!

 

[twinkie10]

Yes, we were at -14 a few minutes ago... Brrrrr....

 

[babywings76]

Glad you are okay! Good thoughts and prayers coming your way.

 

[pamperedlinda]

Sorry to hear this Janet, glad you were not hurt.

 

[sklay723]

So glad to hear you weren't injured...prayers for good news from the insurance company and that everything will work out in the best way possible.

 

[dianevill]

Janet, so sorry to hear about your accident. I'm glad you're ok! I'll be praying for good news, too!

 

[vwpamperedchef]

I hope it works out for you Janet, and thank goodness you (or anyone else) were not injured.

 

[etteluap70PC]

Glad to hear you are OK!!!

I have dreaded going out the last few days. The black ice is terrible! I came close to doing the same thing yesterday. NOT FUN!

 

[ChefBeckyD]

Oh Janet - I'm so sorry!

I will be praying for wisdom, and that you will see God at work in the middle of this!

 

[rennea]

Oh I'm glad you are alright Janet.

 

[tlag1986]

I'm so glad you and your family are alright. I pray for a quick decision from the Insurance company.

 

[DebbieJ]

Prayers said!

 

[peichef]

more prayers for you. glad that you weren't hurt.

 

[cookingwith_tara]

Where two or more are gathered together in His name, He is in the midst! Our thoughts and prayers are with you for the decisions that need to be made. So glad you are okay. Those guardian angels are working overtime today!:angel:

 

[straitfan]

You're in my thoughts and prayers. Thankful that no one was hurt. I hope the insurance company comes through for you.

 

[quiverfull7]

Oh Janet! I am SO thankful none of you were injured. I'll be praying!

 

[heather223]

Glad you are all ok.

Hope everything works out ok for you...

FYI... I was in an accident back in July that wasn't my fault. The insurance company totaled my car and didn't give me a choice about if I wanted to keep it... they had a tow company come and get it from my house- I was so angry I was 3 payments away from paying the darn thing off and wasn't ready to take on a new car payment. Needless to say I had to... I love my 2005 Toyota Sienna, but I don't Like my payment.

 

[janetupnorth]

Well, I'm against car payments because:1. They don't fit in my budget.
2. I'm trying to pay off all debt and live debt-free (minus the house).
3. Why should I spend most of my hard-earned money paying someone else interest.I have a line on a Suburban like my husbands, of course, it too is high mileage...about $2200 last I knew. I am praying that if we have to go that route the family will come down to $1700 because that is all I can scrape up. So if you want to pray specifically for that, I'd appreciate it.I'm hoping my DH can get me a camp vehicle this afternoon so I can get my fire gear, car seats and the kids. Then my van is locked up for the weekend in the collision yard. Still waiting on the insurance adjuster...I was told Monday - YIKES!

 

[thecougchef]

specific prayers said for the insurance adjuster. i work with them everyday & its always a fight. i hope there is no fight for you & everything wraps up quickly.

glad you are safe.

 

[pcchefjane]

Praying for all things to come together! So glad to hear no one was hurt! I hate cold weather and the black ice. It is a rarity down here in SE TN, but it's horrible! Hopefully the adjuster will get there today and get the ball rolling!

 

[janetupnorth]

Talked to insurance, without looking, total loss...Talked to DH and he agrees to probably total it if we can buy the used Suburban available...Pray that we can get it within our budget...

 

[BettieC]

Big prayers that everything works out!

 

[AnnieBee]

First, I am glad that you are all safe and not hurt. That is a scary experience.

Second, I will pray that the financial stuff works out. A similar thing happened to DH and me just before we got engaged . We spun out on black ice entering I-80 in chicago, and (fortunately) veered into the ditch and flipped the car. Neither of us was hurt at all! It was a miracle that we didn't veer into the traffic on the expressway, it would have been a horrific accident. Anyway, my DH was in grad school for aerospace engineering, his funding had run out, and he was living on loans and had to pay for both living costs and tution (not cheap!), he also had car payments on the car (and was planning on buying me an engagement ring - ha!). God really was at work, because with the insurance money for the car (which was totalled) he was able to pay off the old car and buy a new one that was a year older but way lower milage, paid off in full, so no car payments! It really was a blessing in disguise! Anyway, I will pray that this situation will work out similarly for you (I know it sounds unlikely). And at least we can all give thanks that no-one was hurt.

 

[raebates]

Praise God for His protection! I'll be praying for the finances and logistics to work out in your favor.

 

[letscook04]

Talked to insurance, without looking, total loss...

Talked to DH and he agrees to probably total it if we can buy the used Suburban available...

Pray that we can get it within our budget...

Janet, go on to "Kelly blue book" and see how much you car is worth. You should get an idea how much the insurance company will pay you.

 

[janetupnorth]

Janet, go on to "Kelly blue book" and see how much you car is worth. You should get an idea how much the insurance company will pay you.

One of the first things I did as soon as I had contact with a computer.

Thanks all for the continued prayers!

 

[heather223]

Something else I learned when this happened to me that I did not know... the car dealer told me to ask my insurance company about paying the taxes on my new car. I had never heard of that, but asked and they did pay me the tax amount on the value of my old car, it was a couple hundred bucks. Had the dealer not said anythig I would have never known and not gotten the extra money.

 

[janetupnorth]

Heather - can you explain that further? Making them pay taxes on the value of your old car?