In the first 24 hours
following a disabling accident in an RV journey, one speaks to a bunch of new folks. For vagabonding introverts, I am not sure that has been a great thing, merely a thing. Because I seldom have informative blogs, excuse me, "meaningful" per the co-pilot, perhaps I can offer up one in this post of what transpires after such an ordeal.
Let's count the friends:
- North Carolina State Highway Patrol- 2- The 911 dispatcher (hat tip, did well, from this "expert witness") and the investigating trooper. Well, investigating is perhaps going a bit far since he never once exited his vehicle other than to return my paperwork and the bogus ticket for an unsafe tire which he never looked at or inquired about. Officer Iam Surly also never inquired as to our condition opting instead to immediately go for the standard fare of asking for "vehicle registration, insurance and ID's for you and your passenger". Guess Teri resembled someone from his Wanted file (well-kept chicks over 50 wanted by young bucks).
- Roadside assistance- 3- CoachNet folks calling me back trying to find a tow solution, although not obligated since it was accident related and therefore up to the trooper or my insurance company to assist. But trying to point out I-40 was an eastbound/westbound highway was a chore as I kept on getting "My map shows you southbound". Uhhh---crow flight is not standard direction. HINT: In the USA, even numbered interstates run east/west, odd north/south. (See, that right there is MEANINGFUL).
- Towing service- 7- Three in communications, two drivers and two who had to come let us in to the storage yard to get more belongings. Yup, we are still a fan of undergarments and toothbrushes. Oh, as you can see from our tow truck photo, you would have thought I told them I had crashed the Space Shuttle.
- RV park-1- Originally thought RV was OK so had KOA hold a spot for us, until we discovered batteries decided to launch themselves rendering us without power.
- Hotel desk clerks-2- One upon arrival and one second morning to announce we needed 2nd night as no bed bugs were discovered.
- South Dakota insurance agency- 2- one morning call and one afternoon call for questions.
- Truck insurance providers- 4- the initial call to after hours number to report the accident, plus 3 people on the claims/adjusters side, all who have decided I should be the event coordinator since none of them have called me back. My main point of contact locally has been pretty much non-existent explaining to me she was new. Based upon my only conversation with her, I am thinking she was a Pharmaceutical Rep. who left with some of the product.
- RV insurance provider-1- (Yes, we have different companies for our truck and RV). So far, just called them Monday afternoon as policy info was locked in our rig.
- Collision repair service-1- They specialize in trucks AND RVs, ideal for us, and they have an excellent reputation (holds breath).
Twenty-three new acquaintances, almost one per hour. Frankly, just grateful "Paramedic" and "ER Doctor" didn't join the list.
8 seconds of terror trail before the Eagle landed.
Oh yeah, one more shout out as there was a THANK YOU JESUS dialogue from my
passenger as we grated to a stop, so that makes 24! I think I was too busy perusing the cab
for a roll of Charmin and some Febreeze before any words came to mind.
The extent of my damage to State of N.C. property were 2 posts like you see in this photo. Yes, two. For that, the officer noted $4000!! as estimated damages. I darn near went up and tapped his shoulder to say "sleep through Damage Assessment class, did ya?" Tow driver even laughed commenting "those stakes run the State about $150 each installed".
So what did we glean:
1) Sunday travel double-edge sword. This was only the second time in 6+ months to do so. Blessing--lighter traffic perhaps helped with someone not being in the left lane as we decided to take ownership of the whole highway. Drawback--trying to get tow solutions, repairs, campgrounds, etc.
2) I am a comparison shopper, hence we ended up with 2 insurance companies having to deal with. I played the odds of not having a claim (have not had auto at fault accident in 36 years of driving) and lost. So be it, I would do it again for the 30% savings.
3) I am not a fan of overlapping insurance coverages (ie, rental car, roadside, etc). So we have a piece meal, but workable solution proceeding forward. Our RV, because it was our home, had an "emergency expense" clause to go toward temporary lodging and food. Teri has knocked off Cracker Barrel and Chick Filet off the crave list. Our fairly priced hotel is very nice and comfortable. Once those funds dry, our Roadside Assistance covers another small amount to supplement. Essentially, we can live for about 15 days before we have to hunt for cardboard, find highly traveled intersections and don our transient costumes.
4) If you are not sitting down, this is a moment to take a seat. After being held hostage for 36 hours this afternoon, it was time to find out what the hold up was with having no communication since our truck and fiver arrived into the tow yard. Rightfully so, neither insurance company was impressed with a
$3,900 tow bill--yes, that is not a typo and was an insane amount. The monster tow rig in the photo never even came over to our side of the highway. It was 2 men and 3 hours total time from dispatch to return to tow yard, a distance of 35 miles each way. More shockingly, when I offered up all of my photos and willing to be a witness to my facts, the insurance company seemed indifferent. And you wonder why we have skyrocketing premiums?
So, where we are at time of posting this evening. The truck is being towed by itself to a repair shop through its insurance company as they paid 1/2 of the tow bill. The RV insurance will now have to come in and solve their piece of the tow which amounted to the tires being kicked and verifying the flashers on back were still working--they did zilch otherwise as it merely stayed attached to the truck the entire time never striking an obstacle.
We should have estimate on truck damage by tomorrow afternoon. Once the RV posts bond and is released from custody, it will go to the same repair shop (blessedly they work on both) to have a thorough systems and safety check to certify it as towable and liveable.
And just think, who started this
whole thread on the Darker Side of full-timing?
Much to ponder...much to ponder...I did receive this
link today along with this
link from my wife via email. Is it time for a team meeting?
And do we have a
potential complication brewing in the Caribbean tonight?
Oh, and to close out, one more gem from the wife's memory bank as we awaited the trooper's arrival--"you remember last night commenting you didn't have much to blog about right now". Careful what you ask for.
The journey of life continues, the RV one is on hold. But the thought of a small ranch home with a 3 legged hound chasing around a flock of hens by day and howling at the moon by night sounds appealing----------------------------------------tonight.