So first, a quick back story.
When I was 16, I bought my first car. It was a total beater...a 1976 Honda Civic; $200 and she was all mine. My second car was an orange Ford Pinto station wagon... I honestly can't remember the year. I just remember it was the only 2 door station wagon I had ever seen, and it was so damn ugly, it was cool. I had a couple more cars before I became a mom at 19 and had to settle into responsible mom vehicle. I had 3 kids by the time I was 24 and had settled into life behind the wheel of a minivan.
At age 36, my kids were finally grown enough that I didn't need the big mom vehicle. I could FINALLY have something "fun". I had always wanted a VW Bug...convertible. It had never been practical until now.
Christmas of 2010 my husband surprised me with Prudence. My 2005 VW Beetle convertible. She had about 13,000 miles on her when we bought her, and in the nearly 2yrs I've had her she still has less than 29,000. I. Love. That. Car.
On Monday, Aug 6th, I was sitting in the left turn lane and a red light waiting for it to turn green. The light changed, I took a second or two to look across the intersection at on coming traffic and see that the line of cars appeared to be turning let as well, so I was clear to make my turn. I pulled out and heard a horn. It caught my attention enough for me to hit the brakes at the same instant a woman ran a red light and plowed into me. Now, let me just say that IT COULD HAVE BEEN WORSE. Everyone walked away unharmed. If I hadn't heard the horn, she would have t-boned me and who knows how bad that would have been in my little car. As it was, she hit my front fender/tire, area.
I was livid! How do you run a freaking red light and HIT MY CAR. The first thing I did was roll down my window and point to my still green light and yell "WHAT THE HELL AER YOU DOING? MY LIGHT WAS GREEN". She pulled off. I couldn't believe it. I tried to move my car and the tire was pushed in and something under there was broken. My daughter, who was in the car with me, called 911, while I called my husband.
Turned out the woman just pulled into the parking lot of the shopping center I was pulling out of. About this time an off duty officer came up to make sure everyone was ok. As he was asking me what happen, the other woman came up and started asking me why I ran the red light.
YOU HAVE GOT TO ME KIDDING ME. I lost it. I went off on her. I told her I would beat her ass in the middle of the street, SHE had run the light and hit me. The officer told her to go sit in her car.
That was the last I saw of her. All parties decided it was for the best if she stayed on her end of the parking lot
The on duty officer showed up and it was the same story, She claimed she had a green light and I came out of no where. Yep, me and all the people behind me...and the ones across the intersection that were also turning into her path, we ALL came out of no where. The officer flat out told me he thought she was lying, but because no witnesses stayed, there wasn't anything he could do but write it up as I told it and how she told it and let insurance figure it out.
So it's been nearly 2 weeks. My insurance called me today to tell me that their investigation showed "No definitive proof" who ran the light. So, they will take care of my damages, minus my deductible, and she is on her own for hers. My consolation...she was driving a 97 Toyota and had Geico insurance, there's a real good chance she only had liability and will pay out of pocket for her damages. Karma, bitch.
Meanwhile I'm without a car until mine is repaired (thankfully the axle isn't broken like I first thought), because I don't have loss of use coverage (direct quote when my husband asked if we had loss o use coverage, I replied "What you should be worried about is if we have beat a bitch's ass coverage", told you I lost it). Had this woman just owned her shit, I could have had a rental. Plus, it's the right thing to do. Only a piece of shit lies about causing a wreck. I didn't do anything wrong, but I'm the one paying for it.