It's been two days. I have no car. I'm waiting to hear from the insurance company. I don't know what is going to happen to my insurance rates. I don't know what's going to happen with the insurance. Will they pay for the second accident like they did the first?
Four weeks ago, I was on my way to San Diego. It was early afternoon and it was raining (as it did pretty much all through February). I was performing in Crazy For You at San Diego Musical Theatre. We were about three weeks into the run so I had been going back and forth between LA and SD a couple times a week. And often in the rain. I was on the 73 southbound in the farthest left lane approaching a steep downhill decline just before the Laguna Beach exit. I saw a CHP vehicle pulled over in the left shoulder and an overturned white SUV in the middle of the median. I hit my brakes to slow down and lost control of the car. I turned the steering wheel toward the median hoping I wouldn't skid or spin into traffic. I spun 180 degrees and landed in the median and then the car rolled over on its side and down the hill to the northbound side of the median. It wasn't over. I spun another 180 degrees so I was now facing south in the northbound side. Thankfully, I stopped, landing upright in a ditch.
I sat there and carefully surveyed the damage in the car and then checked to make sure that I was okay, remembering from Boy Scout First Aid that you never move a body from an accident in case something is broken or injured. I checked myself and realized I was okay so I unbuckled the seat belt and attempted to open the door. I couldn't see out the windows because all the air bags had deployed. Then I heard the CHP officer outside asking if I was okay. When I said yes, he asked if I could open the door and I couldn't so he helped me get it open and I stepped out.
I had a scratch on my left hand and my right had hurt really bad in the joint at the base of my thumb. Otherwise, I felt fine. I waited in the CHP vehicle for a tow truck, called my insurance company. I found out that I was the third vehicle in a row to go off the road at that same point that day. I got one of my fellow actors to meet me at the tow yard and I went to urgent care where they put my hand in a splint. I was told I might have a fracture. The next day I saw an orthopedic surgeon who said it was arthritis. Really? Arthritis? I love getting older!
Anyway, my insurance got me a rental and eventually determined the damage would cost over $14,000. So they paid off my outstanding car loan and the remainder was sent to me in a check. This past week I went to Carmax and picked out a 2015 Nissan Altima and used the check as a down payment and financed the rest. On Monday, I picked up the car.
Approximately 24 hours later, I was making a lefthand turn onto Burbank Blvd as the light changed from green to red. About 500 feet down Burbank a woman pulled out of her parking spot as I was approaching and I hit her sending me into traffic where I rolled over turning upside down. There I was strapped in nice and tight in my seat, hanging upside down and with no view because all the airbags deployed. Once again I did a quick inventory of my body and realized I felt fine. I let myself out of the seat belt and gently got down on the ground (or ceiling of the car) and then I heard voices outside the car door, We opened the door and about three or four people walked me to the curb, including the woman I had hit. People brought me water and made sure I was okay. One man asked me questions to make sure I was okay. You know like, what's your name, where do you live, what's today's date who's the president.
Reports were filed. Witnesses were interviewed. My car was towed. And now I wait. I'm pretty sure I was not at fault. The main police officer did tell me that mine and everyone else's stories seem to corroborate. So I think I am not at fault. But my main concern is what will this do to my insurance? Will they pay for the whole thing like the last time? Or now that I've totaled two cars in one month, will they not cover me?
Making matters worse, I don't have a full time job anymore. I have a couple of different part time jobs and they both depend on me having reliable transportation. Not to mention that I'm also an actor who has to get to auditions on a regular basis. So I need a car for that. What will this do to me financially?
So I wait. Its also hard when you live alone. I have no one here with me. No one to distract me. I'm on my own. I want to send big "Thank Yous" to my friends Tom and JP who each seperately got me out of the house yesterday. And to Ariella for checking on me today and offering to take me anywhere I might need to go like the grocery store. And I do know that I am EXTREMELY LUCKY to be healthy and relatively unscathed from this. TWICE NOW!!! I have a guardian angel watching over me for sure!
And I'm thankful to the universe for keeping me safe. I am very, very grateful to the people who were so nice to me Tuesday at the scene of the accident. All I could think was TWICE IN ONE MONTH!!! WHY?! I just got this car yesterday! This can't be happening! What now?
But I'm here and I'm not hurt. Thank you!!
