Worst week ever!

I just want to cry. First my husband gets in a car accident. No damage to him or the truck thank god, but now we could wait up to 3 years to find out if the motorcyclist is going to sue us or not. We're going to have to hire a lawyer to help us through this mess. My husband keeps apologizing and making stupid comments about how I'm going to divorce him since we can't have kids and he's now ruined us financially. Our other car probably needs a new timing belt which isn't cheap and on top of that is all the stress of finishing our adoption paperwork for the homestudy (which is a whole other stress). God I just hope this doesn't jeapordize our adoption. We've already waited 5 years.

I was so excited today when I actually got a response to a trade request through pinpics for a Snow White PODM for this pin from my collection:

[thumb]http://www.pinpics.com/img/p926/pin46309[/thumb].

The pin is an AP so I don't have the box it came in. The trader requested pictures which I was happy to provide. I put the pin on a black backer card to take the pictures and sent them to the trader. Afterwards I realized I forgot to take pictures of the back (kind of important for an ap). While I'm trying to take the pin back off the card the thin chain on the top of the pin snaps. :cry:

I am so upset right now. I'm about to start screaming and the dogs will probably run away from me and pee all over the carpet. I think Snow White might have had a good thing going while she was sleeping away.

I'm so sorry to hear this Hope everything is going to turn out good for you and your husband. Sending my prayers and pixie dust your way:hug:

Oh my goodness, i am SO sorry Hope everything turns out okay for you guys <3

I'm SOOO sorry to hear this Katie I hope everything turns out ok:hug:

Thanks guys. It was really just the last straw. Does anyone know if a jeweler might be able to fix it? Obviously it would become a permanent part of my collection, but I hadn't been planning on trading it anyway except for this one pin.

I for sure think a jeweler would be able to fix it. They have those teeny tiny pliers.
Hope everything picks up for you!!

I am so sorry to hear all this - Glad to hear your husband's okay, though - after the accident. As for the pin, I would definitely recommend taking it to a jeweler. :Crossing my fingers everything works out for the best:

I know when it rains it pours hun. I am so sorry that things are difficult right now. But in the end it seems like you have a wonderful husband that has been by your side. I know the glass looks half full but I know that you have a ton of loved ones, friends and family members around you that are here to help lift your spirits. I really hope things turn around for you and your family. Trust me, I know how it feels when you think, can anything else go wrong. And it could get a whole lot worst. But your alive, have your health, a wonderful husband and a ton of support here even on DPF. Much love to you and your family. xoxo.

I'm so sorry all this has happened to you! A jeweler could definitely fix it. I've got jeweler's pliers myself and I've made repairs like that to chains. It isn't hard at all and probably won't be expensive; if you got a pair of the pliers you could probably do it yourself. If you lost a link you could buy some jump rings.

I work in insurance, and I know you didn't ask for advice and I hope this isn't annoying, but... do you have insurance on the truck? If you do, you probably won't need to hire a lawyer. Your insurance company does all that. The other guy is unlikely to sue; he would first file a claim against your insurance company, and would only sue if they can't negotiate a claim settlement. And then most likely your insurance company will hire the defense lawyer, or at the very least will advise you. But lawsuit is almost never the first step.

Hang in there and have hope. And if you need any advice navigating the insurance claims process, I'm happy to help!

Vixy said:

I work in insurance, and I know you didn't ask for advice and I hope this isn't annoying, but... do you have insurance on the truck? If you do, you probably won't need to hire a lawyer. Your insurance company does all that. The other guy is unlikely to sue; he would first file a claim against your insurance company, and would only sue if they can't negotiate a claim settlement. And then most likely your insurance company will hire the defense lawyer, or at the very least will advise you. But lawsuit is almost never the first step.

Hang in there and have hope. And if you need any advice navigating the insurance claims process, I'm happy to help!

Click to expand...

I was going to ask the same thing. If you have insurance - comprehensive, collision, etc. - they will take care of the attorney issues and pay the defense costs & any settlement (up to the amount of the policy). Hopefully your husband DID NOT admit liability - never ever ever admit liability (even if you think it's your fault). Depending on the damages incurred by the motorcyclist (personal injury/property), it might be able to go away soon. The property damage will be the quickest to go away, especially if the motorcyclist has his own comprehensive insurance - he can go through his company which will then subrogate with your insurance company.

So sorry all of this is going wrong. I think the chain thing is fairly common for pins with chains. Perhaps the person won't mind if you take it to a jeweler and have them fix it.

Sure hope things start looking up! I see your RSP went well so that's a start!

hey katie,

i used to do jewelery repair, i would be happy to fix it or attempt at best , just shoot me a pm if you want to arrnage for a "pinspital visit"
happy to help if I can

That's the problem. He's one of those people who always takes the blame. We live on a curve and he was turning into our driveway (a left). He told the cop that he was turning into our driveway when he saw the cyclist and had a split second indecision as to whether to stop or continue. Either way he would have been blocking part of the lane. According to the police report she took that as he was stopped to turn, saw the guy coming and decided to go anyway. There was a guy following the cyclist who she didn't bother to question (speed maybe?) and didn't collect his contact info. We do have insurance, quite a bit actually; but the insurance company thinks he's going to claim over our limit.

Have there been recorded statements taken? I think you can ask for there to be an addendum to the police report if you dispute that the officer took the information incorrectly.

Do you have the other driver's information (the one who was behind the motorcyclist)? Get that for your insurance company.

Then just wait.

Honestly, even if he says it was his fault, that isn't binding in any way. It's in the insurance company's interest to fight for you if they think it's worth it, because they don't want to pay if they aren't obligated.

I think the insurance company just wants to settle because litigation is so costly blah blah blah. And honestly, I do not have a problem with that. My issue is that they aren't documenting all the details in case this guy decides not to accept the settlement. In a year when all the negotiations are over, no one is going to remember how fast the guy was going. The cop couldn't tell the insurance adjuster how fast the guy was going, just the speed limit on the road (which she was incorrect) and that most people go faster than that. All they are going to remember is that my husband was making a left turn and if we can't get the witness to tell us how fast the guy was going then it's 'he said/he said.' The insurance company says the guy couldn't have been speeding because he wasn't issued a citation. Apparently that is relevant, but the fact that my husband was not issued a citation either is not relevant.

And finding the witness is going to be an issue. My husband just got his first name, knows what kind of car he was driving, that he grew up in the area, and that he went to high school with the emt's that responded. I'm trying to find out which units in the area responded and though I'd try to contact the station and see if the emt's remember who it was. They may not be willing to tell me though. The cop gave what she "thinks" the guys last name was. Unfortunately we can't find anyone in the area by that name.

This is just all so confusing and some of the information the insurance person is giving me doesn't make sense.

Insurance companies don't settle quickly at all.

But yes, do as much research as you can to get all the information down so that if he does sue, you can provide it to your attorney (and insurance company).

other recommendation is - put a homestead on your house and/or visit an estate planning attorney that can help you protect your assets.

Yup. That is exactly why we are going to see a lawyer next week. To find out what the scenarios are and what we can do to mitigate risk.

I am sendng you a PM. I am so very sorry about all of this

A jeweler can absolutely fix it. Heck if I lived close, I could fix it. I do work in a jewelry store and fix chains and such regularly I'm so sorry you're going through a lot, bad things in my life have been coming nonstop for months now and it's so easy to feel overwhelmed and like you just want to give up. I keep thinking "Okay, I know I'm strong enough to handle all this, but I shouldn't have to be!" But every storm passes and while it can be turbulant and seem impossible to weather, this too shall pass and you will see that beautiful rainbow. I wish you all the very best in your adoption, please let me know if you need any help or have any questions. Me and my two brothers were all adopted(them from a different family than me), and I've known my birth mother since I turned 18. I'd be happy to try and answer any questions you may have, and I can also ask my adoptive parents questions for you, as well as my birth mom Just let me know, I'd be happy to help in any way possible!