First, the details: The Saturn you all know and love, complete with it's snaggle tooth smiling bumper, askew headlights, dented hood, scratched rear bumper, quarter panels replete with holes and cracs, no hub caps, graffitied interior, 127,000+ miles, and... no insurance.
We're just too broke to afford it! At least, we were. Soon, like, in five days, we'll be able to purchase 6 months of insurance in one lump sum, but until the 15th we know we're pushing our luck. This has been the plan for about 2 weeks now.
But something always happens to ruin, or put a hitch in the best laid plans. Three nights ago, the night I posted my last blog (only about 3 hours later), the hitch came.
Lizz, as awsome and amazing and wonderful and great as she is, does not have a driver's license. Yet, I still let her drive my car because I'm an idiot. A double idiot for not having insurance. I know these things are wrong but I allow them to happen anyway because the alternative is to walk around Anchorage or take taxiis (which cost money, and shortages on money is what has put us in this predicament in the first place.) ZZ was giving her cousin, Roxann, a ride to work (she works at Leroy's) and at the intersection of McRae Rd and Iowa Rd (just off of Spenard Rd) a fellow in a 2005 Subaru WRX failed to stop at a stop sign and continued straigt into the road. Liz didn't have time to stop and they collided. Nobody was injured in either car. His front axle was broken in half and everything on the front left of his car was smashed. My poor little abused Saturn finally lost the bumper entirely, lost the front left quarter panel and many more cracks and headlight smashings are now acsentuating the Ghetto-ness of the Diskohaus.
The guy she hit has full coverage. The cop that showed up at the scene is a cop that ZZ knows from Village Inn, and they're on a first name basis with each other. The Guy admitted fault to the accident immediately, the cop wrote him the ticket, drew his diagrams, and let ZZ go with nothing more than a ticket for driving without a license. The cop should have impounded the car and arrested Liz and then mailed me a ticket for allowing an unlicensed/uninsured driver to operate my uninsured vehical. All said that night, being allowed to drive away from the scene of the accident with nothing more than a $160 fine to pay, we felt we were getting off light.
The next day I took my car to Able Body Shop for an estimate in damages. $3,815 was the adjuster's initial estimate from just looking at the outside of the car. He expects there's a lot more, but it's not important because the blue book on my car is $1,460 (and that's only if the body is repaired to "fair" condition. Result: Totalled Saturn. Not looking so good. I asked how that works because I'm pretty much clueless how insurance companies work, he explained, but I still don't really know what to expect. BTW: I still owe $1,250 on the loan.
The day after that, yesterday, actually, we find out from his insureance company that the Guy is now contesting the ticket, contesting fault, contesting everything. Now, according to the cabbies we've talked to, the two lawyers we've talked to, and the 10 cops that Liz talked to at Village Inn, the only thing that will likely come of the Guy's contestment to the charges is that there will be a several week delay in getting any money at all from the insureance company. However, the cops told Liz tonight that the cop that let her go really put his career on the line for her. If it were to come to light that he just let her go like he did, he could lose his job and Liz still faces a possibility of going to jail and the car could still be impounded for 30 days.
We went to Cal Worthington Ford to see if we could be financed for a newish used car. We test drove a Ford Focus, talked the guy down from $15,200 to $13,300 (blue books at $13,450). And applying jointly for the loan we were approved at 8.1% APR. They wanted very badly for us to drive away from there in that car, but I said "No. We might be back though." They also have a 2005 Subaru Outback for $15,700. I would much rather have that. The Focus is a GAYass purple color, and the Outback is a HIPPIEass yellow color.
Okay, so with Geico I can get liability insurance only on the Saturn for $367/6 mo.'s. That will be affordable in one lump sum when I get my check on the 15th for about $550. (Traditional Guard pay sucks, that's for one week.) Lizz is going to get her driver's license on Monday. She can pass all the tests and there's a place in town where you pay $100 to and you can use one of their vehicals for a driving test. Lizz made a whopping $97 in tips tonight at V.I. (which is the most she's made since October) and she works again tomorrow night.
We don't know what to do. We're pretty nervous about this whole situation. As of right now we have $3.90 in our checking account. We have a $110 phone bill (three months worth), $99 cable bill (partial late payment), a $23 electric bill, almost no food in the house, and the car is on "E." It doesn't take long to start adding things up to see what kind of a bind we're in. Grant, our buddy that's a cabbie, has suggested something sort of strange. He suggests that we count our blessings, be greatful that so far we've gotten away with murder (as far as not having insurance goes) and WITHDRAW our claim with the Guy's insurance. Quit while we're ahead. Keep the car out of impound. Keep myZZ out of Jail.
The reason I'm going into these details with you is not for pity but for ADVICE! I don't know what the fuck to do. I'm clueless. I'm lost in all this. At least my internet is working again so I can fill y'all in. Sorry this blog was so long.
Peace and Love,
Mungo