OK...
... I have what I would consider good news. I've been a bit quiet for themost part about something that happened recently... I was hit in Honolulu while driving my rental car - by a hit and run driver who evaded police that were maybe 40 yards behind him. The concerns we had were what it would cost us in #1) increased annual insurance rate cost, #2) deductible, and #3) the charge for time while the rental car was out of service.
Well most of the result are in - and that which is not confirmed seems to be almost certain now. And the short story is... the damage to the car is only $1,866.80.... not the $4000-5000 I was expecting. And the state of Hawaii (and most states according to the Dollar rent-a-car adjuster) forbids rental car companies from charging us for the days a car is out of service. So ZERO cost there. And as for the deductible - it is as we expected. And with the total damages so low - less my deductible - the presumption is my insurance company should NOT increase my annual insurance rates. And if they do = it should be minimal. And I'll complain loudly if they do.
So I am really pleased to have contained the costs so well. AND - now if only I had used a "GOOD" charge card then I might have had my deductible covered as well. You see... I just found out my "Platinum" debit card was good for .... nothing! It has high charging and cash advance limits - but NO benefits. My lowly silver Discover card would have covered the deductible asI understand it. RATS! My Platinum card is a JOKE when it comes to special features (none).
Anyways... I've got Mr. & Mrs. Smith playing on HBO cable now and the wife just crashed into the husband's car from the side. That was just like how I was hit in Hawaii... only different car types were involved. How curious....
OK... I gotta go now.
<edited in> I just got off the line from my Insurance company adjustor - and he said IF they reach the other driver or owner of the other car - and can confirm he has insurance then I won't have to pay my deductible! And even if the other driver or owner responds that they have no insurance then they will not charge me the deductible because
I was a victim (this make any sense?). In cases where I am the victim they sometimes waive the deductible without any other consideration! AND ... he says that this sounds like a non-chargable incident which should result in no change to my insurance rates - especially with no other acccidents, moving violations or claims in my history! So... I can only think this sounds too good to be true - to have no deductible to have to pay... potentially. But if it is so - then I won't complain. I certainly spend enough on my property and casualty insurance!