The fresh snow falling and laying on the ground, covering up the grass and blanketing everything in its way. Winter can be so calming to many. However, it is very scary to me when I have to leave the house. When I see that it has snowed and I have to go to school or work or to the store, I start to have a panic attack.
The first time I had to actually deal with an insurance company was when I had my first accident. It was March 1996. I was 18 almost 19 years old. My spring break was coming to an end, and I was out trying to get applications to fill out for a summer job. It had snowed the night before, but I did not care. I had to get this done. About 5 miles from my house, I had just been stopped at a stop light. The light turned green and I proceeded to go, I looked down to change the radio station and when I looked back up, the van in front of me had stopped. I quickly put my foot on the brake, but it was to late. I rear ended the vehicle in front of me. The air bags deployed hitting me in the face making my glasses fly off my face. The horn was blaring. The person in the van in front of me got out to check to see if I was ok then quickly returned to her vehicle. She was taken away by ambulance, while I seemed to be ok. I later went to the doctor. I had bruises on my chest and was sore, but in the end I was ok. We had full coverage on the car. That means the injuries sustained by the other person was paid out by my Liability coverage along with the damage to her vehicle. My injuries was paid out by the Medical payments coverage on the policy. The damage to my car, was paid for by Collision coverage. I had to pay a deductible to have my car fixed but it was all covered.
Things could have been much worse. Had the airbags not deployed, I would have broken all my bottom teeth and my jaw. I am grateful for insurance, because it took care of all of the bills after the accident and all I had to pay was my $250 deductible.
Whenever I have to drive on snow cover roads, a little part of me panics! You never know when you could hit black ice and loose control. Since your accident, do you panic more when you have to drive in the snow or have you overcome that some? I always drive super slow whenever it’s snowy out.
ReplyDeleteI do panic still when I have to drive in the snow. Now that I live in the country and the snow drifts really bad out here, it is even worse. I am not afraid to drive much slower than speed limit. My anxiety is so bad in the snow that I panic when I am the passenger in the car and it is snowing.
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