Yes you read that right. Yesterday at about 5:19pm Pacific Standard Time, I plowed into the back of the car in front of me. I claim only about 75% fault on this one. (For the record, who accelerates into an intersection, and then suddenly comes to a smoking-tire, screeching halt??? Sorry, but that just had to be said.)
The other driver was in a steel cage otherwise known as a Jeep Commander, and I was in the Mercedes. In case you’ve forgotten from my earlier post, my sweet little car looked like this the day I bought it. Sigh.
The steel bumper of the Jeep ended up with a few tiny scratches, while my front grill crumpled in like a piece of tin foil. It doesn’t look too bad, but something under my hood started smoking and I distinctly heard a “hiss” sound. Hmmm.
So after getting out of our cars and doing the whole awkward “so-hey-our-cars-kinda-touched-each-other” back and forth, we pulled over and did an information switcheroo. Thankfully, no one in either car was injured; my airbags didn’t even deploy. And, the other driver was actually pretty nice and normal, so that’s a +1.
We parted ways, and the first thing I did was call my husband to tell him the news.
Then I called the insurance company.
The sweet lady over at Esurance laughed at my 75% self-proclaimed at-fault assessment. I don’t know, maybe I thought between my sparkling personality and my insistence that the driver in front of me was a moron for accelerating and braking would help my cause. Apparently not.
So, big surprise, I’m officially at fault, blah, blah, blah. That’s not the reason I’m telling you all of this.
What struck me about this whole darn thing was that my first thought (after determining there were no injuries, of course) was that I had no financial worries. $1,000 deductible? No problem. Replace my car? We can pay cash for a new one. Getting in an accident is already stressful enough. Knowing you have an emergency fund removes that extra unnecessary layer of anxiety.
The only part of this that is a wee bit sucky, is that this is my very first accident. Ever. Tomorrow is my 36th birthday, which would have meant 20 years of driving accident-free. 20 YEARS! Oh well. Guess I’ll start that clock over again.
My point is that money in the bank is more than just…well, money in the bank. It gives you the gift of calm. It gives you the gift of sleeping well at night. So within minutes of the accident, I already had a pep in my step, and a grin on my face. Considering what had just happened, I felt fantastic.
So do your future self a favor, and make sure you have an emergency fund. And, drive safe my friends.