It's been a week and a day since our car accident on the freeway. The insurance called yesterday to let us know that Jasmine is, officially, totaled. Repairs were estimated at over six thousand dollars. I told them six thousand dollars worth of repairs was well worth it for that little car, but they said no. They said they would give me a check for a thousand dollars instead.
Sadly, I can't buy a used car for a thousand dollars.
I'm so confused by this...why do we have insurance again? Isn't is so they will pay for things in the case of an accident? Um, hello, I was in an accident, why aren't they paying to fix my car or to get me a new one? What was the point? Instead of paying for insurance every month I could have put it in a savings account. After five years that money would be more than enough to buy me a new used car. To top it off, they said now that they have offered us the money (but we won't get the check for two to three weeks) they will stop paying for a rental car. So, we need to buy another car like, now.
I've tried to convince Drek that this is the perfect opportunity to ditch the car altogether. We can ride the bus! We can bike! We can just stay home! But since the buses here don't really go a lot of places and biking isn't really feasible with the long distances and the hills, he said no. I tried to sweeten the deal by telling him we'd buy him a motorcycle, so he could still get around. But that still leaves us with no way to get to church on Sundays, so he still said no.
So I've spent all day today trying to get us a car loan. I'm so irritated by the whole thing. I don't want a car, but I have to buy one. I don't have money to buy a car, so I have to borrow the money. And then I'll still have to pay for insurance on that car that I didn't want.
It's days like this when I truly wonder if I wasn't born in the wrong millennium.