In late January, driving the speed limit, I hit a HUGE pot hole in the right hand lane of the Pike.
It was a rainy cold Monday. I noticed the pot hole ahead, but with the busy traffic and rain, there was no way I could avoid hitting it. It was unavoidable. What's worse, there was a sharp ROCK wedged in the hole pointing UP. At 65 miles per hour, even driving an SUV (with a higher frame) the car went over the rock. The rock acting like a ninja's sword, sliced the undercarriage of my two year old SUV, cutting wires, scraping the tail pipe and shutting down engine, at 65 miles per hour. Well I pulled over to the emergency lane on the Pike, on a rainy Monday. The car would not start. My smart phone down to 65% juice.
Of course, what is now running through my mind?
- This is dangerous
- It's cold and raining
- If I stay in car to power smart phone, I could end up on CHANNEL 5 to become the latest tragic video. "Get OUT of car Jaybeau!"
- Call AAA
- Call my boss to sadly say that I won't be on the air today.
Well gladly, after forty five minutes standing outside on the side of the Pike, the tow truck came.
Flash forward one month. After $4000 of repairs, paid by insurance (minus my $500 deductible) I get my car back. The nightmare has ended, so I thought.
This past Monday I get a note in the mail from the Division of Insurance with a SURCHARGE claiming hitting the pothole was MY FAULT. The insurance company categorized the pothole I hit as a "stationary object" as if it was a bridge. If I swerved to avoid the pothole it could have been MUCH worse endangering others or myself.
Calling the claims adjuster FIVE times leaving messages, I fought the surcharge saying that I will change insurance companies if this is not reversed. Well the company (who in the past has done a great job with claims) called me back and re-categorized the pot hole-from hell to a "road hazard." NO surcharge.
This proves that you can fight city hall, if your WIFE does the fighting.