Two Unexpected Calls Yesterday

I got a call from the insurance office and the lawyer yesterday. I called the lawyer back and they wanted to send a financial paper over so I can tell them about all the money I have coming in and all over the money I spend every month. She said they will email it to me and the lawyer is supposed to call me next Thursday or Friday to go over it with me. I wanted to tell her there would be no need for that because I have nothing. I didn’t.

I called the insurance office back and finally got a hold of the guy. He was a lot nicer and better than the first two people that have had my case. He just said he wanted to let me know he was on my case now and what was going on. If I had any questions or worries to give him a call he would help me out or get the answers for me. I told him I had talk to the lady at the lawyers office and she was sending paperwork.

I told him I just got divorced it finally went through that we hadn’t been fighting in court but we had been fighting outside court for a while now and he finally agreed to everything and we got it done. He said he thought they just needed my information because the car was only in my name. I said yes it was and I asked him what they were looking for because I truly have nothing. He said anything other than your home you live in, anything over 1 car that you own, bonds, stocks, employment, any businesses that you own and other things.

I said I am a single mom of 4 kids, I am a student. I told him I rent, we hadn’t owned our home in years now, that I had one truck and that was the truck that I was in the accident in and other than that I have the contents and furnishings for my house that was really it. That I just have what we needed and had to have to get by right now because I wasn’t working and because we did not plan to stay here once I got out of school. We plan to move a way and start over new when we get where ever we decide to go. He said he understood he said State Farm sues everyone not to worry about it. He said we try to take your information on that paper and show it would be a hardship for you to pay and that you really do not have it to pay and probably can’t even if ordered to and try to get them to just settle for what we have to offer. I said the worse case is they are going to get a judgment saying that once I start working they can ask to be paid and to look at my income and see if or what I can pay then or if I ever get anything they get their money right? He said yes worse case that is all that they can do is get a judgement. He said I have seen people say I can’t pay over $6 a month and that is what they pay. He said just don’t stress or worry about we are going to do our best to get you out of it and not have to pay anything. He said he pays good money to have the coverage he has and these companies make a lot of money every day. That is what they are here for is to pay claims when something like this happens. They aren’t losing money, but they are going to try to hold onto as much as they can and if something happens they jump straight to suing instead of seeing if it is worth suing even.

I said well I’m not stressing about it I’m just waiting to see what happens. I said it was nothing more than an accident I wasn’t speeding or doing anything wrong, I looked because a car was to close to one side and when I looked up there was car stopped in front of me. I said I was trying to avoid hitting anyone why I swerved off the road but then he turned and I couldn’t avoid it. I said so if they get a judgment then if/or when I can pay them something I will. It is what it is and I can’t give them something I don’t have. He said that’s right. He said just let the lawyer know everything you told me and give him the papers and we will do everything we can to help that’s what you pay us all these years for.

That is the first I have heard from them in months. I heard from the lawyer in a letter right after I got the papers saying I was being sued. Then sometime over the summer I got a letter from them saying they were still taking care of my case that I didn’t need to do anything they would get a hold of me if they needed anything. Yesterday was the first time I have heard from the insurance company in almost a year. I didn’t know they were still really involved or anything like that.

I guess it is a good thing that the places I wanted to rent to start a business rented before I could rent them. If I had started that then they would have had something to go after. I couldn’t have paid them and the business and keep it going. I would have had to close down. I wouldn’t have had a chance to even start really making money with it. I have kind of decided to just work on school forget everything else until I am done. Then find a job for a little while until it is time for us to move. After that then work on the things I want to do and have. I will have my degree to get a job until I decide what I really want to do.