db said:
Please people don't jump all over me for asking this but do you think my insurance company will be less likely to "split hairs" so to speak on the time being that I am not making a claim with them only trying to collect from the other company? (I know the other company will, if they think it is in question) Meaning when the other company calls to verify coverage would they automatically say she was covered as of such and such day at such and such a time or would it be more of just a "yes she is covered" or "No she isn't covered?". As I said No one has asked me about what time the accident happened and I'm not even sure myself since like I said I was "flipping out" for a good 15 minutes or so. The first call to my husband wasn't even until after EMTs arrived and got me out of my vehicle. I
Hey I totally understand. I think sometimes people make judgment without ever knowing what the situation really is like.
I used to think people that had bad credit were deadbeats until it happened to me.
Growing up my mother was the main bread winner as my dad was so impatient in earning money that he kept leaving jobs before making any money (I believe he has undiagnosed ADD).
I was on scholarship during undergrad. My parents earned more than enough for their needs. I like many college kids got my first credit cards and over spent. I always saved enough from my monthly checks to cover my payments.
I knew it was a risk when I racked up those credit card bills. Then the worse happened. My mom got cancer. She couldn't work. She drained through their savings fast because their expenses were so high (but she also mad e a lot so low debt ratio). Before we knew it my parents were facing foreclosure (this is when foreclosures happened fast).
So I had barely finished my freshman year. My parents had already dipped into their retirement which us kids objected. So I and my other siblings moved home to take care of my mother and work to save my mother. Needless to say, we all sacrificed our credit to save our parents home. By the time my mother was well enough to work, my credit card debts were charged off. I still struggled as a student and couldn't pay them off as I was still finishing undergrad before I went to grad school.
It took me a long time to fix my credit but I still remember all those creditors calling me names claiming I was stealing and I was a dead beat. There are other things in my life that have helped me be more empathic and not have this holier than thou attitude.
You made a calculated risk and I think people are judging based upon the outcome not the decision.