Do not admit fault

I was in a car accident yesterday. I have only been a few accidents in my lifetime so, intially, I wasn’t exactly sure about the protocol. I awkwardly got out of my car to see if the lady in the other car was okay. She was feisty and didn’t get out of her car and got on her phone right away. She looked like she knew what she was supposed to do in this situtation so I followed her lead, got back into my car, and got on the phone. I didn’t know who to call, so I called my husband. He was at a retreat and didn’t pick up. I didn’t want to look like I didn’t know what to do so I kept the phone to my ear and ruffled around looking for my insurance and registration. Luckily, my insurance card has directions on the back for what to do if you get into an accident! What a fabulous, thoughtful idea! Thank you, Esurance! Here is what it said:

1. Seek medical assistance, if necessary.
It was just a fender bender, no air bags or anything, so I didn’t think this was a necessary action step. Today though, I am quite sore, and wish I got checked out. I would feel better if I just heard the baby’s heartbeat, which I am sure is beating like the little speed beater it is, but when I called the doctor today to see if I could just come in to hear the baby’s heartbeat they told me to go to the ER. I hate the emergency room. I know I am just being paranoid. Mothers do this. I think I will wait until my appointment next week, unless I freak out later.

2. Report the accident to the police.
I have to admit, I did not want to do this. And I skipped this action step too because I figured the accident-pro in the other car would call them. Which she did. But the real reason I didn’t want to do this is because I just went through an ordeal with the police wrongfully suspending my license because they said I didn’t pay a ticket that I, in fact, did pay but I still had to go to court and pay fines! So, I am not happy with the police and I knew, since I rear-ended the car in front of me, that the old copper would just give me a ticket. (Which he did). Thanks for showing up 40 minutes after the accident, sitting in your car for 45 minutes and then slapping me with a $135 ticket. You’ve been so helpful, Mr. Officer.

3. Do not admit fault.
I think its hilarious that my insurance card actually has this written on the back of it! If I had written a card giving myself directions as a child, I would include this on it too. I can hear my mother yelling at us, “Okay, one of you left a the popcicle wrappers on the floor by the tv and I want to know who!” Never admit fault – one of the younger brothers will take the blame!

There were other helpful directions like how to report a claim and such, but I can’t think of anything funny or entertaining to write under those, so I think I will stop here. All and all, it wasn’t the worst thing in the world, just mildly annoying and I will be without a car for a few days. But thankfully, thats what we have insurance for.


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