Thursday, July 12, 2007

I needed this like a hole in the head.

Last night I was feeling under the weather. The stress of court on Monday along with some sort of flu that's going around converged to make me spend my day yesterday shivering with a fever and unable to complete anything related to my dissertation proposal competently (hence the video post yesterday).

Late in the evening, I decided that it was time to go to the pharmacy and pick up some NyQuil so that I could actually sleep. As I was driving back to my place, I followed a police cruiser that was heading in the direction of my apartment. He turned right on a green light at an intersection and I followed.

Suddenly, I heard a thump. OMFG, I had just hit a person. I swear, I hadn't even seen him.

Actually, the guy more or less hit me, since he tapped the trunk of my car and I really don't think that it's possible to "hit a pedestrian," by definition unless you hit them with the front of your car. I could have driven away and I bet I'd never have been caught, but being a responsible citizen who was utterly traumatized, I pulled over and jumped out. There was a couple standing on the street corner waiting for me. According to their clothes and iPod accessories, I assessed that the guy had been jogging with his girlfriend. I ran over to them.

"Are you guys ok?" I asked. I was terrified.

"Yeah, I think so. I'm fine," the guy answered.

"I'm not sure what to do. I've never been in this situation before," I told him.

He half laughed and said, "Me neither. I think we should call the cops."

I apologized over and over. Thankfully, he didn't have a scratch on him, but his girlfriend had already run into the closest building to call the police, and soon an ambulance pulled up. Despite the fact that the guy hadn't hit his head (I asked), the EMTs put him in a cervical collar and took him to the hospital. The ambulance took off, and I was left standing on the street with no cops in sight, not even the one I was following when the accident took place. I decided to go home because the ambulance driver had taken my license and phone number, so I knew that they would get in touch with me soon.

Fifteen minutes later, I received a phone call.

"Hello?"

"Is this Almost? My name is Officer Lentil. You were involved in an accident a few minutes ago, right? You need to come see me, I'm in car 1831 outside of the hospital. I have my lights on."

Long story short, I went to meet the officer at the hospital and we stood on the street, discussing what had transpired. He wasn't only cute (there's something about a man in uniform that I love), but he turned out to be super sweet and very understanding of my horror at having been involved in an accident of this nature. As a matter of course, he had to issue me a citation for failing to yield to a pedestrian, and I understood that. I have a lot of cop friends and no matter how cool they happen to be, they still need to do their jobs.

He asked me to whom was the car registered. I told him that it was registered to my soon-to-be-Ex, which commenced a conversation about divorce and bizarre pornographic addictions wherein he said, "If I had a wife that looked like you, I sure as hell wouldn't be into granny porn." I was appreciative of that comment, since I had just survived my divorce court appearance and now have to go to court again sooner than I thought. It's amazing what a little compliment can accomplish when you're feeling like the world is collapsing around you. He was a doll in so many ways, but I digress.

I chatted with Officer Lentil about the particulars of my appearance in court, and he promised me that he had done his best to ensure that the case would be tossed. In truth, I suppose that I technically didn't yield to a pedestrian, however, I hadn't even seen the guy and there was no damage to my car, which indicates that there wasn't even a hit. I did hear a thump, as I said, but it was most certainly in the back of my car, considering that I had the convertible top down and he would have landed in my back seat had I actually hit him in the conventional sense. That aside, I was and am still shaken.

I've only had one car accident in my life, and that was scary enough. This one really freaked me out because the pedestrian, though he told me he was fine at the scene, suddenly started complaining of back and neck pain in the hospital. This is one situation in which I wish I drove an AMC Pacer instead of a BMW. Or lived in New York and just took cabs. The guy probably thinks I'm loaded.

Officer Lentil was the one who informed me that he was complaining of these injuries in the hospital.

"We live in a litigious society, Officer," I told him.

"Yes, we do. You may want to contact your insurance company just to tell them of the incident. Will you be filing a claim?"

"For what?" I grabbed his hand and dragged him around the car. "Do you see any damage?"

"OK, no, but call your insurance anyway. I'm sure this guy is going to sue."

I suppose in the grand scheme of things, this is not a big deal. The guy is fine and he'll probably get a hefty insurance settlement. Perhaps he needs it to pay bills and I'm sure he'll be happy that this happened, but unfortunately, Lauren is my insurance agent and she'll have to suffer the consequences because her annual bonus is based on the claims of her insureds. When her annual bonus is assessed, I'll be cutting her a check for her losses. For all of the times she's made me laugh when I'm about to cry, it's the least I can do.

And I'm blessed to have had Officer Lentil as the attending cop last night. He knew that this was sheerly an accident and he was kind to me. I suspect he also knows that the guy is fine and is now out for some insurance payback. Whatever the case may be, we're destined to become friends, since I'll be seeing him in court in less than a month. Cheers to you, Officer, and thanks for making what could have been an truly awful situation bearable.

4 comments:

Sarah said...

I had something similar happen to me, but I actually rear ended someone. At 2 miles an hour, turining right when they had started to turn and then pussed out. So anyways, we get out of the car and she's fine and says so, and then she waited until I kid you not, 89 days to file. (you have 90 days to file with the other person's insurance in minor traffic/collision claims) Then she claimed all sorts of neck and back pain, blah blah blah. And funny enough, my insurance company, while they did pay her claim, she didn't nearly 1% of what she wanted. They subpeoaned (sp?) her records and found that she had a pre-existing condition, which she had mentioned at the scene, and basically told her where to stick it. So you never know, insurance companies have surprised me in the past. They're very saavy to Pedestrian and his kind. I'm sure it will turn out to be an annoyance, rather than a debacle.

Finally Free said...

I've already chatted with Lauren about this. She said basically the same thing - Insurance Company knows all about the "back pain" claim and is conservative in their payouts, particularly when there are no real injuries.

Annoyance, absolutely, since the dude practically did a nosedive toward the trunk of my car. Debacle, no, thank God.

Lemon Gloria said...

Oh, sweetie, I'm so sorry. How scary and exhausting. We do live in such a litigious society. I am sure it will end up fine - as you said, insurance companies know all the tricks. But what a shitty thing for you to have to deal with. Especially right now.

Finally Free said...

Thanks so much, Lis... it scared the living shit out of me, but it could have been a lot worse. I'm grateful for that.