December 16th, 2005

Moose With Mug

The Last 40 Hours or So

Still no word from the claims adjuster on the status of the Neon, but I will know late today or early Monday. Until that's known, there's no point in trying to make a decision about what to do. We made a few guesses at what our possible options, but at this time they're nothing more than guesses.

Nonetheless, that hasn't stopped the stress or worrying. In fact, last night's hive attack was one of the worst I've ever suffered. Normally, when the warning signs (redness and itching spreading all over my body) of an impending attack begin to show, it takes me a 5-10 minutes to figure how bad it's going to be and how much Benedryl I should take to keep the worst of it under control. However, last night's came on with such speed and ferocity that I knew before the first hive appeared that this would be a bad one. Sure enough, it took the maximum dose of Benedryl nearly an hour to begin containing the attack. Even now -- 14 hours later -- much of my body is noticeably splotchy.

Ironically, yesterday at lunch time I purposely went off diet and tried to indulge in some of my favorite comfort foods as a way of trying to reduce my stress levels. Obviously, it had little impact.

Anyway, the Neon is at a body shop waiting for the adjuster to arrive, and I have a rental being paid for out of the state's Uninsured Motorist Fund, which the accident qualifies for thanks to the fact that the person who hit my car is unknown. Coincidentally, my rental is a 2005 Neon (mine was a 2001), and driving it is making me feel like I've been transported into an alternate reality. It's my car, but it isn't -- the little differences make driving it somewhat surreal.

Finally I want to thank everyone who commented on my post describing the accident. I was rather distracted yesterday and I didn't get the opportunity to respond to everyone. However, your kind words were very appreciated.
Moose With Mug

It's a Total Loss

I just got off the phone with my insurance company, which has in fact totalled the Neon. I have the rental car until January 3, and after remainder of the car loan is paid off I will have roughly $1,800 left over for payment on a replacement vehicle.

Not the best news, but better than some of the worst case scenarios Mrs. Moose and I came up with.
Moose With Mug

Death & Resignation

I'm trying my best not to turn my LJ page into a temporary wailing wall. Really, I am trying. However, the whole situation has me feeling like a little boy who has suffered his first skinned knee after falling off of a bike.

More than anything though, right now I feel cheated. I know life isn't "fair," but damnit... in my preliminary research for finding a decent used car, I've come to the inescapable conclusion that if I want something of quality that's not a new car, it will almost certainly be older and have more miles than the Neon. In addition, even after using every dollar from the insurance company, I'll still owe more on it than I did on the Neon before the accident Wednesday night.

Anger and deep sadness are mixing in with that cheated feeling to create a really foul mood. I've managed to stay on diet today, but could not for the life of me force myself to the gym.

However, I cannot really afford to delay on figuring out what I'm going to do, so here my options, and the pros and cons as I see them.

  1. Really crappy used car, costing $1,800 or less. Pros: No more car payments for the immediate future. Cons: Could be just 500 miles away from having the transmission fall off onto the highway during my commute, which would necessitate my having to propel the car ala Fred Flintstone.
  2. Decent used car, costing between $1,800 and $5,500. Pros: More certainty over car's condition, wouldn't feel like an refugee from Sanford and Son while driving it, payments would be done in a year and would be the same or less than the ones I was making on the Neon. Cons: See option #1.
  3. "Certified" used car, costing between $5,500 & $10,000. Pros: Most are in really nice condition and usually have some sort of limited waranty. Cons: Payments stretch longer than a year and/or higher than the ones made on the Neon.
  4. New car. Pros: Nothing to worry about for 5 years/50,000 miles. Cons: $,$,$,$,$,$. Not really an option -- just put it here to commemorate the fact that the Neon was a new car when I bought it, and that it was only four-years old and had just 47,000 miles on it.

There are other issues tied into this. One of things we were planning to do once the Neon was paid off was use the money for paying down other debts until Mrs. Moose's car was paid off. By then, we'd have eliminated enough debt to allow us to afford putting a second child in daycare. Either that or Tank would be starting kindergarten. Regardless, our plans to pay down our debt will most likely take a major hit.