Okay, I have another car.
I wanted to move things along, so as soon as I knew the other insurance company had approved a payment amount, I worked at setting a physical appointment, so I could physically hand over the documents they needed (signed title and odometer statement). Once I was on hand for that, I had the settlement check within minutes; with that in my possession, I made it to the bank and deposited the check something like three minutes before the bank closed.
On my way back toward home, I phoned the small auto dealership where I got my last car. They’d worked with me before, and I figured that could facilitate things.
Did it ever.
My now-defunct vehicle had been a Toyota Corolla. It was the first such vehicle I had ever owned, but I liked it enough that I had planned to get another Toyota when replacement time came. The rental I was provided over the last few days? a Toyota Corolla. And when I told the dealer I was on my way to see about getting a ‘new’ car in place of the last one, he said he had a Toyota Corolla waiting that ought to suit me. Was this destiny, or not?
Not, as it turned out. It was familiar and comfortable, things seemed to work right … but it had 60,000 more miles on it than my previous vehicle, there was heavy tinting on the windows, and the seal on one of the windows was just enough off to make a very distracting whistle at highway speeds. So I went with the second choice he had pulled up, based on what I had been looking for the last time: a Kia Spectra.
I’ve never driven a Kia before. I know nothing whatsoever about Kias. This one, though, was agile and responsive, two years newer than my wrecked car, and had 45,000 fewer miles on it, rather than 60K more. So I drove my rental back to Enterprise and dropped it off, and one of the dealer’s guys drove me back to pick up the Kia, which I drove home.
Mark this: I haven’t paid for it yet.
I do everything with debit cards and online bill-pay, I don’t even have a checkbook anymore (or if I do, I don’t know where I stashed it). However, in the same way I returned to the same dealer because he’d given me a solid deal before, he was willing to conclude the sale on the spot and let me deliver the cash later because I’d always made my payments on time during the last purchase.
Oh, and one other thing: even with all the aggravation, I made a profit on the deal. Yes, the insurance check was for nearly $700 more than the cost of the vehicle I chose as a replacement, so even after I deliver the purchase price (tomorrow morning, if I can get to the bank quickly enough), my bank account will be larger than it was before the accident. (And, once I get back the rental deposit and compensation for the cost of a taxi to get me TO the rental place for the initial pickup, larger yet.)
I’ve spoken lately of ‘annoyances’. They truly are that … and yet, somehow, there’s a continuing trend where the bad things that happen to me and those closest to me, always seem to happen in ways that — short of never happening at all — are about as painless as they could possibly be.
I’ve been lucky. I know that, and know that I can’t count on continuing to get all the breaks (as in, my bad luck winds up being the least-bad-available). Still, I’ll take it for as long as it keeps coming, and be grateful.