In June, I was rear-ended on my way home from work. I’d been doing the Martinez-to-Berkeley commute via I-80 for seven years, so I was probably due for some teenager to run into me. Neither of us was hurt. I was stopped and she wasn’t looking. Since I pay for collision insurance, I knew I’d only be out a grand, max. As it turns out, her insurer agreed that it was 100% her fault and agreed to pay my deductible. The damage was north of five grand. It took a month, but I got my car back, and I cannot tell that it’s been in the shop.
A curious thing happened the week I got it back. I got a letter from my insurance company, State Farm, telling me that I was more than 51% responsible. They had already paid for the repairs, so it didn’t make a lot of sense. I complained and the next Monday they got back to me and apologized for the mistake. My agent, Mark Woodard, called me to let me know and he followed up with the adjusters. A few days later, I got an apology in the mail. Also, this weekend I got another letter telling me they’d checked in to make sure I got the check from the other insurance company to cover my deductible.
So, all’s well that ends well. I just wanted to note publicly that while it was annoying to get the mistake letter, everything else about the service I got was great. The repairs were done by Haw’s Auto Body in Concord. They weren’t fast, but they were clearly working hard to get the best parts.