Showing posts with label Insurance. Show all posts
Showing posts with label Insurance. Show all posts

Wednesday, October 21, 2009

WHAT THE F..! No wonder I am a bitch.

They say bad things happen in threes. Well, I am starting to believe I am not the exception to the rule but rather I am setting a new standard for it. In one day my week has been ruined, communications failed and I am for all practical reasons stranded. Being sleep deprived which admittedly causes me to be more bitchy and short tempered than usual, a culmination of events almost pushed me over the edge and turned me into quite the bitch. Let me explain…

About a month ago I was in a small accident resulting in minor damage to my BMW. Luckily having good insurance it was an inconvenience but not the end of the world. My car went in for repairs and lo-and-behold just as they were almost done they discovered that one of my shock absorbers was also damaged. Naturally we assumed it was due to the accident. The insurance company sent out one of their people who concluded it wasn’t. I complained, they sent out another person who came to the same conclusion as his predecessor. It was ruled the shock’s damage wasn’t accident related and they could not find any evidence of the damaged being caused by a pothole or the weal being hit by a curb. Luckily the car was just 16 months old and surely the shock absorber was still covered under the warranty and/or motor-plan so BMW would repair it under these conditions, right? Yesterday my car was sent to one of their workshops, it was examined and the technicians concluded that the damage would not be covered by BMW’s warranty or motor-plan.
I was informed of BMW’s decision late yesterday afternoon; I arrived home wanting to send them a further enquiry via e-mail. I switch on my computer and it didn’t want to work. A few phone calls later my computer was arranged to be taken in for an assessment and repairs. Frustrated I went to bed hoping that a new day would bring new solutions.

Waking up this morning preparing to go to work I had my whole day planned and was optimistic that all would be resolved. That was a mistake! Firstly, my day didn’t go as planned. We were supposed to continue with the cross examination of the state witness but this was preempted by the defense bringing a motion for the judge in the case to recuse himself. This was a shock! The implications being that we will loose a whole week and consequently prolong this tedious trial and if the motion is successful we would have to start the whole trial from scratch. This set the mood for the rest of the day.

The second blow came when I was informed that my computer had a virus and it was potentially lethal to all the data stored on it. The diagnoses were later confirmed and the probability of loosing all my data was estimated at 90%. Now I was left facing potentially having to start from scratch with a complicated trial, having a computer infected with a virus that could cause me to loose 90% of data (both personal and some work related) and I had no mode of transport.
Not being able to do much about the trial motion or my computer at that stage I focused on the only problem I could actually try to resolve – my car. Having already called BMW’s customer care line that yielded no results I decided to escalate my problem to BMW South Africa. Eventually getting hold of someone the issue was painstakingly explained and it was promised I would be provided with a suitable solution within an hour.

Two hours later not having heard anything I phoned back. I was informed that BMW would have to send out their regional manager to inspect my car and he would make a final recommendation. Finally, I thought, I was gaining some ground until he muttered the second part of his sentence. The regional manager would only be available next month. Almost hyperventilating at this point I asked the guy in the most restrained manner I could what other alternatives I had as waiting another month clearly is not an option. To my utter surprise and disgust he told me I could fetch my car from the panel beaters and use it until the regional manager was available. Thinking I heard him wrong I repeated “So you want me to fetch my car and drive around with it while it clearly has a mechanical fault?” He answered in the affirmative. Shocked I asked to speak to his manager, he answered that he was the manager, asked to speak to his immediate superior and was told she was in a meeting in Cape Town. Completely at a loss for words a short uncomfortable silence followed ending with me putting down the phone in his ear.

As I was typing my formal complaint about BMW this afternoon on my very slow and old computer (the computer that was replaced with the one currently infected with a virus) I receive a “courtesy” call from BMW’s customer care wanting to know whether I was satisfied with the service my car received at the branch it was taken and whether all repairs were done to my satisfaction. The first thing going through my mind was “What the fuck?!” As I was not responding due to disbelief she asked whether I was still on the line and I responded by saying “NO!” It slipped out and confused her. She asked me “No your not on the line or no your are not completely satisfied?” The stupidity of that question set my off on a 20 minute rant and by the end I had her repeat everything that I had said to make sure she had noted it correctly which took her a further 15 minutes. Now both our days were ruined.

So yes I had a shitty day. The court case has been frustrated, my brand new computer has a virus and my BMW is still broken. There are two more days left of this week. If I am not going survive it I am taking everybody around me with me to the loony bin.

Till next time.

Kathy Griffin - Everybody Can Suck It

Thursday, September 10, 2009

Rear Ended!

How I just adore ending a busy not so pleasant week with a bang. I have only been in two car accidents in my whole life, both rather minor. Being a good driver I firmly believed that I would not be in a third. Gosh, how presumptuous can one be. So today at 2:20pm, on a clear spring day it happened. I was rear ended and not in a good way. Being slightly shaken, a little bit pissed off and grossly annoyed I have to go jump like a show dog through several hoops to get my insurance to pay out. The prospect of this unexpected additional drudgery is turning this little “ray of sun shine” into a “little thundercloud”. Regardless how I may feel, I am glad I have insurance.
Minding my own business at a slip way with my car peacefully idling and waiting my turn to enter the road I am abruptly jerked out of my Zen serenity. Without warning my car flies forward, my sunglasses is ripped of my face and in the shock of moment I am left confused: What just happened? Did I take my foot of the clutch by accident? If I did that then way was there a load noise? As my car comes to a halt and my eyes readjust to the sharp sunlight, I pick up my sun glasses from the dashboard put them back on and look into my rear view mirror. Behind me I see a white car with a very pale and shocked driver and passenger. The horrified expression on their faces notified to what transpired – they crashed into me. As the bitch in me wanted to surface I remembered what my mom use to say “always be nice when you’re in an accident, people do not give you their correct details if they think you are going to kill them!” So, I rummaged through my gay man bag for a pen and paper. I took a couple deep breaths before exiting my car to prepare me for the shock I was to find on inspecting the damage.
As I stepped out of my car walking towards the back of it I noticed the other car’s windscreen was cracked on two places – two places where the driver and his passenger hit their heads. They were not wearing safety belts. Still being pissed off I was concerned that they might be injured so I walked over to their car to ask them if they were ok. The driver looked scared as this angry platinum blond gay guy who is visibly fuming was making his way towards him. Reaching their car with his now almost completely rolled window I asked two questions “Are you guys ok?” and “Do you have insurance?”. He answered in the affirmative to both. I then proceeded to ask him to get out his car so I could take down his details. The front his car was completely wrecked and the back of my car damaged but less severely in comparison. While taking down his details he begged me not to phone his dad before he had a chance to speak to him first. Honestly at that point I could give a damn about what his father was going to do to him, but I respected his wishes as I knew for sure he was going to be in trouble anyway.
Arriving at the police station to report the accident my calm demeanor soon changed as I was informed I had to go to another police station to file a report - the accident didn’t happen in their jurisdiction. That was so the wrong thing to say to me at that time! Feeling like I just went through a traumatic event I decided to throw a hissy fit, as only a slightly effeminate gay guy can. I refused to go to another station and demanded to file my report there. There was absolutely no reasoning with this blond as I was now angry and determined. For some reason the police officer thought raising his voice would get his point across. Naturally I also raised mine in response and told him there was nothing wrong with my hearing and whether he liked it or not I will file my report with them. By this time the whole of the police station was looking at me as if I was crazy. In retrospect it was more post traumatic shock than being crazy, but I did get my way at the end.

Arriving home I contacted my insurance company, calmly informed them of my splendid afternoon and they e-mailed me their claim form with an annexure with a detailed description of everything I have to do, get and go through to get my car fixed. It took me a while to complete the form being asked everything apart from requesting a DNA sample. So on Monday I will be getting quotes, possibly throwing more hissy fits, and bitching about it to all that that will listen and also those who don’t. Being in an accident is an inconvenience but I am grateful no one got hurt. At least everyone is still alive; our cars are dented and we will be adding additional chores to our busy schedules, but shit happens! Like a friend have been quoted as saying “Put your big girl panties on and deal with it” so deal with it I will.

Till next time.


Kathy Griffin - Allegedly

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