Wife had a wreck last night

My wife had a wreck last night coming home from work. She is ok, airbag did not deploy. She is just a little shaken up. Some woman not paying attention, blew the red light and clipped the front end on my wifes van. 2012 dodge grand caravan. She hit the brakes and this womans toyota clipped the front end. I am sure theres frame damage,

Good news is based on its retail value for the mileage, it will probably not be totalled. If its totalled we are back to square 1 with a payment and of course looking for a vehicle to replace it under duress. Its easier to leisurely look for a car when you got one to drive, so your not under any pressure to just get it done and over with. It will be payed off next year, then the plan is to drive it another 2-3 years, and get our moneys worth out of it.

The other good news is the parking lot dent somebody left in it on the drivers fender will now get fixed, as well as the scrape on the grille and front bumper where the garage door came down on it because she didnt have it backed up enough one day when she hit the door remote and the door came down on it.

Bad news is the other driver did not have insurance, and i will have to pull $250 out of pocket to pay the deductable. Ifbi didnt have uninsured motorist on my policy it would have been $500. I guess depending on how this goes, it may be an issue for small claims court.

I cannot stand uninsured drivers. In my mind those people suck. I shouldent be out any money due to somebody elses negligence and stupidity. Even basic liability insurance is cheap if you cannot afford anything else.

It gets picked up by the auto body shop for an estimate tomorrow. Metlife said if the cost to fix it reaches 70% its concidered totalled. KBB stated condition and mileage private party sale is $9,100. Trade in is $7,500. Not sure what numbers the insurance company goes by.

Wish me luck
Matt