IHOP Sunday: A toddler never escapes the gaze of another toddler; Who did you vote for, Wasilla pitbull? Car search begins: The Insurance Adjuster
Sunday, January 4, 2009 at 10:41PM ;)
Kalib and Cade spot each other at IHOP. I wonder if they might be buddies one day? Not if Lavina has her way - she wants the whole family, including us, to move back to Arizona as soon as possible. Margie does, too - at least for the winter months. Me, Alaska is my home and was my home before I ever even came here. I am an Alaskan, born into exile in the state of Utah. I am an Alaskan now and I was Alaskan then. Just the thought of living anywhere else damn near kills me.
A little bit of time in Arizona each winter will be fine - if we can figure out how to afford it.
And then what about Margie? She has given me nearly 28 year of her life in this place, where she freezes every winter and pines for her Native southwest. Don't I owe her something for that?
But to give up Alaska?
She likes it here in the summer and says that it is fine with her if we spend our summers here. She didn't much care for this past summer, though. It was a cold summer, and it rained and rained and rained and the rain was cold.
When a Mat-Su summer turns out nice, however, it is the sweetest summer in the world. No other place that I have been can produce such a sweet summer as does this valley. Even my Arizona girl agrees on this.
;)
We stepped out of IHOP to find two dogs in a truck. I wonder who this pitbull voted for? And how did the dog get away with it? It's against the law for dogs to vote in Alaska. And why did the pitbull vote today? The election was not today. It was November 4.
Does this pitbull sometimes wear lipstick? I don't see any on it right now.
;)
The pitbull wanted to kill me, but I bravely stood there and photographed it with my trusty G10 pocket camera.
;)
The Insurance Adjuster - Joey Seibet. Okay, I must back up to last week, just before New Year's, when the insurance adjuster for Progressive came over. We are insured with State Farm, but the cops cited the poor kid who rear-ended our Taurus with his GMC truck and they didn't cite me, so Progressive had to pick up the damages.
I was wary at first, expecting a battle. I guess in part because it is my health insurance that I have been dealing the most lately, due primarily to my accident in June and that company is a horrible organization. It makes promises when you sign on and then when the time comes, gives your case to a person who gets paid very well to sit in an office to find ways to allow his company to break those promises and to make you pay, even when you can't pay.
So I was expecting a battle, but Mr. Seibert proved easy to work with and he seemed to care.
Sadly for us, our nine year-old Taurus had almost 200,000 miles of Alaska driving on it and so its market value was many thousands of dollars less than what it would have cost to repair the damages. When that happens, they total a car out at its market value and give you a check for that amount, then they take the car and sell it to the junk man.
So we got $2,833 for our old Taurus. Enough for a down payment on a new car.
Now we are engaged in the miserable process of shopping for a replacement. I hate it. And when we are done, we will be saddled with monthly car payments, something that we have not had to face for several years. And, even with 200,000 miles on it, Alaskan miles, we had babied the Taurus engine and it was running smooth and sounded fine.
So, you see, even when the insurance adjuster is a fair person, you can still come out in a much worse spot than you were in before his client smacked you in the rear.
As for Mr. Seibert, he says that being an insurance adjuster around here right now is like "trying to take a drink of water from a fire-hydrant." That's because people are continually crashing on our icy roads. Alaskans like to deride Lower 48 drivers whenever they see them sliding around on the news after a snowstorm, but the fact is, Alaskans are forever sliding off the road and crashing into things.
Mr. Seibert says that he feels good when he is able to help a family out, but sad when he can see that the insurance company's liability falls short of their needs, especially when there are small children involved and people who have been hurt.
He does not deal with fatalities or injuries that involve broken bones. These go to someone else.
While he did not mind being photographed, Mr. Siebert expressed a worry that I would freeze, given that the temperature was close to 20 below, F. Ha! Me - a genuine Arctic photographer - and look at him, how he is dressed!
And he's taking pictures, too!
Reader Comments (3)
Is your Taurus still in your driveway (or garage), or did you have it towed away? Some insurance companies don't require removal of the vehicle if it's "totalled". They let you get rid of it.
If you had it towed away (complete with tires, intact windows, battery, etc., etc.? ), I'd be willing to bet that your Taurus didn't go to the junk yard, or if it did, stayed there only long enough for the junk dealer to call up his brother-in-law and say, "hey, Rufus, I gotta Taurus with only a little rear end damage, how about fixing it up and we sell it at your used car lot? We oughta get about $6,000 at least!"
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My hubby and I suffered a roll-over accident in a Jeep some years ago, and the insurance guy assured us this would be TOTALLED, not even parted out, because a lot of the engine compartment was damaged, all the windows except one broken, all the tires damaged, the roof smashed down to seat level --- well, maybe they got the leather seats out for re-sale, but not much else.
soooo sad... I can relate. I had an accident in '06 that "totalled" my vehicle also, though it continued to drive just fine afterward. The insurance company did require that it be towed to the junkyard. The junkyard clerk's eyes lit up when he saw my pickup - he said that the yard would sell the engine, transmission, tires, suspension, etc and probably end up bringing in more money than the blue book value of the truck. After paying off my loan, I was left with $600.
but you cracked me up with the pitbull pictures and comments. maybe no lipstick, but by the look of those windows, i would guess she was wearing lip gloss, at least!
:)
Yes, even at the time you know there's undoubtedly more value there than you're going to get out of it, but there is so much to deal with and one must move on.
Glad you liked the pitbull, Sarah!