Car Accident – Car Totaled

Last week I TOTALED MY CAR. Correction, an uninsured guy ran a red light as if it didn’t exist and totaled my car.

I planned on having my flawless 2004 Toyota Camry for a very long time, but thanks to “Mr. Crossed Six Lanes of Busy Traffic on a Red Light” that’s not happening.

It was a pretty bad wreck (The pictures don’t capture the damage very well), but I fortunately walked out of it without a scratch. It’s not yet 100% sure what’s going to happen with the insurance, all I know is I’m going to be over $8,000 poorer after it’s all done.

I’ve been in two wrecks where a car was totaled, both not my fault, and both times the other person DIDN’T HAVE INSURANCE.

Suppose this wreck was my fault, my insurance would taken care the other guys expenses….but when the tables are turned and it’s HIS fault, I get nothing? Doesn’t sound fair at all, and therefore I’m pressing charges against this guy. All he gets is a minor ticket for driving without insurance?? NO WONDER so many people don’t get insurance, there’s really no urgent need for it.

Here I display my Flash design skills and have recreated a crude version of the accident:

The second I saw him cross into my lane (I had a green light and was going the speed limit) I swerved & braked, but it was too late. He almost hit a bunch of other people going through the light also, and more than 4 people turned their cars around to yell at the guy….two of them stayed to testify for me.

The thing is, I can’t really afford to pull more than $8,000 (Possibly more than $10,000) from nowhere. I also refuse to take a loan for a new car. I will buy a car for cash, even if I have to drive a low-end Kia. In an extremely regrettable decision, I might have to sell off a lot of my stock to pay for this….or start making a lot more money, really fast (I like the latter option)!

I’m grateful this is a financial impact rather than a health impact. I remember seeing the door handle of the truck slamming into my car not even two inches from my face…so this situation could have been MUCH worse.


Now I need to do the (im)possible and find a NEW Toyota Camry for under $10,000. That car holds it’s value so well that it’s very difficult.