First off, I am agnostic. I do however believe in angels. I promise not to push my beliefs on to you as long as you do not push your beliefs on me.
On Dec. 11 my husband and I were in an accident. Not at all our fault, we were at a dead stop. Our car was totaled. We were rear ended and then pushed into the vehicle in front of us. Both of us were cut out of the vehicle and taken to the hospital.
The next day we called our insurance agent, gave her all the other insurance claim info etc. Friday morning we get a call from our insurance company saying that our coverage had lapsed. We knew we were behind but never once did we get a cancellation notice or anything. So, we called our insurance agent back, she found us coverage with another company.
Saturday we had to go get a rental car so that hubby could get back and forth to work. We have to pay out of pocket because the other insurance company "isn't sure it was their drivers fault".
Went to see a lawyer today. Basically, he told us that we have no leg to stand on. The payoff of the old vehicle is more than the fair market value. So that means, we have to pay the difference. Which in turn gives us no down payment for a new vehicle.
On top of that is that our house is going into foreclosure for the 2nd time. My car is up on ramps not running.... its too cold here for me to crawl under and see what is wrong with it. My job, when I was hired I was promised not to have any hours under 25/wk. All I have gotten in the past month is 10-16. I also do contract work on line but being that it is contract work, there is no steady work.
I feel like I am standing at the bottom of a hill and there is no end in sight. Often times I feel like I must have done something in a past life or in this life that was so profoundly horrible that I am paying for. Some days thoughts run through my head, and then I think, no, I can't do that because I don't have enough life insurance to help out my husband.
I am just so overwhelmed right now I can't do anything but cry. I had no control over this other person hitting us, I couldn't have magically stopped her from hitting us.... no skid marks, no trying to veering off to the side no warning at all. I don't understand how someone else's mistakes can cause so much heartache for me, the innocent party. Like I said, I must have done something very wrong somewhere in time......