Everyone’s driving history is unique. As an insurance agent, I’ve heard a lot of car accident descriptions. Accidents ranging from falling asleep at the wheel, to getting stuck on top of a deer carcass on the highway. Luckily, I personally have only been in one minor accident.
I was driving my sister’s vehicle at the time, slid on ice, spun 180 degrees, and the tail end of the vehicle hit the median. I was able to drive away after receiving a ticket for driving too fast for weather conditions. I paid her $500 deductible and listened to her complain about the damage for a week until it could get repaired.
My Lessons Learned
- Do not drive another person’s vehicle
- Stay home in bad weather conditions
- Have an emergency fund available for deductibles and even worse tickets
It turned out to be an expensive life lesson, but luckily I did not sustain any injury. I was also lucky she had collision coverage on her vehicle. I have to say though, I have done all of the things on the list to the best of my ability since the accident and it was eleven years ago! I rarely ever drive another person’s vehicle. I hate driving in the winter and I have set up a decent emergency fund just for these types of situations.
What has been your worst car accident? Did your claim go smoothly?
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