Friday morning July 9th, I had a text from Chad to call him when I wake up. Oh great, that usually means bad news. And it was. The insurance company decided to total my car out. The motor would have to be replaced and it would cost more than the car was worth. This is heart breaking to me. I loved my car. It was my first new car, and I only had 3 more years to pay it off. The settlement amount is less than the payoff amount. I have no idea if we have gap coverage. I am freaking out and wondering why nothing ever seems to go smooth. It is always one step forward and three steps back. Sigh!
I look in our fire box with all the important papers and try to figure out if we have gap coverage. Oh, thank goodness we got it! Now that we have it, I have no idea how that even works because I never thought I would ever need it. I call the company and start a gap claim and they let me know that they will be emailing me a list of documents they will need.
I am not one to put things off, if I do, I will forget about them. I pull up the email and see a list of documents needed from the finance company and a list of documents needed from the insurance company. Okay no big deal, I’ll call and get them sent to me so I can get them turned in ASAP. Now the finance company is also the gap coverage company so I am not sure why I need to even be involved on getting the documents but whatever. So, I call and I get transferred, and transferred, and transferred over and over. They even transfer me back to the gap claims department. At this point I have been on the phone for over an hour and a half, I am fuming and I lay into the person on the line. Luckily, he is very understanding and decided it would be best if he stayed on the line with me while I talk to the other department so if they won’t give me the documents then he would be able to talk to them. Of course, they still won’t give me the documents I need and after the guy from claims talks to them, we find out it is because insurance has not sent anything over to the finance company yet so they don’t know anything about the car being totaled out. Why didn’t they just tell me that to begin with?
As soon as I get off the phone with them the insurance company calls to let me know that I would need to make arrangements with the repair facility to get my personal belongings out of the car so the procurement company could pick the car up. The car is located an hour away in Lubbock and I have Chad’s truck here for my transportation. FYI, I have a strong hate for driving his truck. It is a giant truck that I definitely do not want to drive through Lubbock. I called Chad and let him know I was going to come get our SUV from him.
When I get there to switch out keys with him, he took me to lunch. I’m sure he could tell I was trying to hold it together and I needed that time with him. We talked about us getting a new car if I wanted to and just being able to talk to him made me feel so much better. I drove and got my belongings out of the car, went and picked up and said goodbye to my car. I went to Walmart to get a few items we needed, and found some red shorts on sale for my daughter Cheyenne (red is her favorite color). Chad had mentioned that the cheesecake factory had several flavors of cheesecake if I was interested. I put the Cheesecake factory in the GPS and went to get us one. I mean why not? Cheesecake makes everyone feel better after a bad day.
Pink Squirrel Farmstead 