Tag Archives: Metromile

Dad’s Wrecked Car Wrecks My Week

I would like to say I would’ve had a blog post out in the last week if the week itself wasn’t so damn shitty. I’m probably lying to myself here. My motivation is still at an all-time low.

I can probably get something posted Friday. Oh wait, no I can’t, because Friday is going to suck ass like every other day this week. If I’m going to churn anything out it has to be finished now. Thursday. Today was a hot day, I’m mentally and physically destroyed, and writing anything now feels like a chore. Scheduling a post also means EDITING! which is the worst part of writing by far.

Two weeks ago my dad was involved in a car wreck. I’m not sure of the details, but someone in front of him was turning right, so he slowed down like a good driver. The guy behind him, sadly, wasn’t paying attention and rear-ended my dad. This caused Dad to slide into the person in front of him leading to a three-way fender-bender. It wasn’t really a big deal; despite him being hit by a big-ass SUV in the rear, his car took the least amount of damage of the three. The guy behind him? Car was fucked. (He was younger, his mom showed up, and according to my dad she was not pleased with him. He had the worst day of three by far, not even considering his damaged car…) Lady in front of him? Car: fucked. Dad’s car doesn’t have anything to hint that he was slammed into another car, just a tiny scratch or dent on the front if you really pay attention. Most importantly no one was hurt.

(His tank of a car, by the way, is a 2006 Chevy Cruise. If you’d like your next high-mileage used car to be impervious to damage, look into the Cruise.)

I looked at his car the following day and it was fine. Cosmetic damage to his trunk and bumpers but the car itself was fine. All the doors worked. The thing drove okay. Nothing of functional importance was harmed at all. He asked me my opinion on what he should do about the car: ignore the wreck or make an insurance claim? Dad doesn’t have a job, can’t afford shit, and is waiting on Social Security to either approve or deny his benefits/payments/whatever they’re called. In short, I told him to not worry about it. Cars are meant to get you from point A to point B, his car still did this, so why even worry about it? Insurance probably wouldn’t do shit about it anyways…

He didn’t take my advice (big surprise there). He made an insurance claim which was itself a pain in my ass. My sister and I have a deal where we pay for his insurance and split the bill. When I set this up I put everything in my name. My email, my phone number, with only his name on the policy. It was easier to do it that way. Since his insurance claim involves him he should ideally be the guy dealing with the insurance company. Since they’re unaware of my impromptu setup (we didn’t think he’d ever actually make a claim), they’ve been blowing up my phone trying to contact my dad. Emailing me and me having to relay the email to him and calling me so I can call him and tell him to call them back. They miss his call and call me back. It’s my own fault — I even said so when I replied to their email giving them his actual contact information — but it’s still a pain in the ass to deal with.

I was wrong about his claim by the way. They did not do jack shit; in fact they decided to total his car and write him a check for $6,075. Holy hell! I was certain I put him on liability insurance; where did all the money come from? It didn’t make sense to me at all, but hey, I’m not a hot-shot insurance worker. Apparently this makes perfect sense to them. They grabbed his car last Thursday.

(We use Metromile. They’re a pay-per-mile insurance provider fitting for my dad, who logically, shouldn’t drive that much at all. I own 200 shares of Metromile (MILE) and was tempted to sell them when I found out about the massive payout to him for insignificant cosmetic damage. Was this company really the one I should be investing in?)

And here’s where my trouble really begins. It was easy: dad gets his check, we get him a new car. Nope, life is never that easy.

Since Monday was Memorial Day his check didn’t arrive until Tuesday. He also doesn’t have a bank account. I was to put the money into my bank temporarily. Okay. Tuesday was a trip to my bank so he wouldn’t have to pay a whopping $200 check-cashing fee. (I should open up my own check cashing place. A 3% fee to give people their own money? Hell…) Normally I deposit any checks I receive via my bank’s mobile app. Doing this with a check in his name might be a terrible idea, and I didn’t want to hold things up longer than I needed to. Dad is fairly independent and wants a car, so we’ve been trying to do this stuff as quickly as possible.

We went to look at cars (on Memorial Day) and that sucked. All the places were closed so we drove to those questionable used-car lots that are more numerous than I remembered (they’re everywhere) and shopped unhindered by pesky salesmen. He knew he couldn’t buy a car that day, but surely he’d find one that he liked. Nope. Buying a car is a big deal and isn’t as easy as deciding on a fast-food restaurant when hungry. It’s Thursday and he still doesn’t know what car he wants.

Since the cash is in my account, I’ll have to be involved in the car buying process as well, whenever that actually happens. Not really ‘involved — I’m not buying the damn thing — but he can’t really leave with a car until I write a check to the place, usually the last fucking step in the process. One more big hurdle before I’m free, but if we don’t pull this shit off tomorrow it’ll surely be a shitty weekend driving him around to wherever.

Today involved driving him to the smoke shop for tobacco and finding him a window AC unit. This whole fiasco occurred right before the first real heatwave of the year. He’s a bigger guy so he kinda suffers unnecessarily in the heat and needs an AC. Luckily, my mother-in-law had an older AC unit to give him; the errands were a bit easier because we didn’t have to buy him a new one from Menard’s or something. Hauling an AC unit around an hour after waking up isn’t a joy, but it’s better than going shopping.

Obviously I’m driving him everywhere he needs to go. He tries not to be a bother and I don’t mind helping, but it is getting old having that in my schedule to work around. My insomnia is still kicking my ass — I don’t sleep until 6 a.m. and try to be up around noon — and each day is a struggle to pound down as much coffee as possible and get out of the house to haul dad around. By the time I’m functional, I have a good two and a half hours to do stuff before going to work. Sometimes we’ll finish early, not early enough to go home but too early to go to work. Tuesday I was in the work parking lot 45 minutes before I had to start, just sitting and zoning out to music. I did get to see what time my coworkers pull into the parking lot which was mildly interesting. Some people get there really early, but who was I to judge?

Friday is a fun day because I go to work at 7 p.m. instead of 4 p.m.; I have all the time in the world before work to ‘be productive.’ Hopefully I can get something written but probably not though. Groggily awake at 12 p.m. Therapy at 2, hauling dad around to hopefully buy a car around 3:30 p.m., and how long will that take? Tomorrow is fucked. Saturday will probably be fucked as well. I know it’ll be fucked. I can predict the future: Dad won’t have a car yet and I’ll have to take him to get groceries or something. Sunday I’m hanging out with a friend (cool and all, but damn I’m dreading being social…), and maybe I should put a new belt on the lawn mower? And maybe I should weed the garden? And I need to go to the store. And I need to clean the cat litter. Those windows in my car really need to be cleaned — I haven’t washed them since fall — and the outside could stand to be washed as well. And…and…I’m sure there’ll be tons of time to write a blog post.

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