The car accident wasn't my fault, however, I feel an immense amount of guilt about it because nothing is getting resolved. The driver who hit me, as of Friday, (so day 5 after the accident) still hasn't returned or called his claims rep, and is not answering their calls. As much as I would love to give him the benefit of the doubt - I can't. He is screwing me over. I cannot get any money for my totaled vehicle until he makes contact with his insurance and gives his side of the story.
So the guilt - yes. I feel guilty because I can't fix the above problem, can't get money for the down payment of a new car for me, and I feel like all of this means I somehow I failed my husband, failed our partnership. I said no to collision when we were getting insurance together and trying to lower the costs. Something I had NEVER been comfortable with. The last two months, I kept reminding myself, remember when you get a new car, to add collision. add collision. I heard that voice. I ignored it. Tried to wait it out. Finally, finally, we had a little bit of savings, and we were going to spend that on plane tickets to visit his family for his Dad's 70th birthday. But I need a car and we do not have the money to purchase one. If I had collision, I would have been paid out immediately, and then my insurance would deal with all this without me. Instead,
Everything is still on hold. Everything.
Of course, if you asked my husband how I'm doing, he'd probably beam and say, "She's handling this very well! You should see her! She's so on top of everything! She's making calls and seeing what our options are."
The only problem is, of course, we don't have any options.
Not until that other driver calls his insurance and says, "Yes, I was driving that car."
I don't know what to do.
I don't know what I can do.
I have never felt so helpless.