Three weeks ago today, I was rear-ended. After work the hubby met Elliott and I for dinner. And after dinner, Elliott wanted to ride home with his Dad. The freeway was packed from commuter traffic ( we went to an early dinner and were done around 5:45pm), so I decided to take side streets home and Jeff followed me. Jeff drives faster than I do, and he ended up passing me before the lanes merged into one. We both stopped at a light to turn right, and he went, and I waited for on coming traffic to turn. As I eased out into the intersection to prepare for my turn, the gal behind me slammed into me.
We both pulled over, exchanged info professionally and politely, and went on our way. Neither of us was hurt and both of our vehicles were drivable. I have never been in an auto accident, or had so much as a ticket so I had no idea what was in store for me regarding insurance, etc. But, since my car was banged up badly, I filed a claim. The other gals insurance took 100% liability and cut me a check for $3200.
After doing some research and talking with several people and body shops--we decided to sell my car 'as is' and buy another vehicle. The timing for all of this was perfect since our Credit Union approved us for an auto loan on line and they were having a used car auto event that next week. I did some looking around at dealers, CarMax, Autotrader, etc. and then we went to the event. I was set on a Toyota Highlander that I found on line, but we walked out with a Honda Odyssey. Which was my husbands suggestion and preference.
It took a few weeks to get used to the fact that I now drive a mini-van, so after getting over the initial stigma I can say with confidence that I love the vehicle. It has all of the bells and whistles that we need for our growing family, and it gets the same gas mileage as my VW. I think that it actually makes me a safer driver too. I feel more parental and more responsible when I am driving the mini-van-therefore I drive slower and more cautiously.
The best part is that I put the VW up for sale on Friday, and sold it Sunday afternoon! I was saddened to see it go, since we have been together for 6 years. But, it went to a good home and the gal who bought it needed a car ASAP as she was in a car accident that totaled her car.
From a budgeting perspective we have no business adding a car payment to our tally. However, we put all of the insurance payout and the VW's sale towards Ode (my new car's name) and hope to pay it off as soon as possible. Neither of us like to have debt and work hard to payoff loans ASAP.