Been A Long Time Since I Talked But

I've been rather busy.

Nov 14th my husband and I were involved in a wreck. It totaled our truck (we had just started our own company and had purchased our own truck with a loan) and injured the both of us.

I'm not going to talk about the wreck itself. It sucked that enough to know (though we were no where near at being at fault, everyone involved agreed)

I want to talk about what you should know to prepare yourself for in case the worst happens to you.

Most insurance companies don't really talk about what they don't cover. They will say we cover you when you are in an accident and they do! They just don't tell you precisely what, you need to read the fine print and that stuff can get confusing. So here is some stuff I have learned the hard way.

Ask if they will cover mental damages. Wrecks are traumatic. Flashbacks, nightmares, and stuff like that may not be covered. Insomnia caused by said nightmares may not be covered. Brain damage not visible to most common scans may not be covered because sometimes you can break those tiny connectors that the scans can't pick up. Trust me, when you are having how to relearn how to read directions, you don't want to be stressing about your bills. Brain injuries suck, they have so many different side effects that they can completely wreck your life and still be considered minor.

Aflack may or may not cover you. Make sure to read the fine print. I thought I was covered in the case of an accident. I was, if the accident was caused by a sudden heart attack, stroke or some other medical emergency. Not by some other idiot.

Make sure that you know who you can go to and who you can't. We barely had our insurance for two months when the wreck happened so we weren't fully set up which delayed us getting to the doctor because we had to find one that would take both forms of insurance. Just because you bought it at one salesperson doesn't mean it's all the same provider.

Try to have enough money in the bank to have 6 months of bills covered. I only had three set aside because we had just got the truck and it ate up our savings getting started. But I was thankful I had that!!! It takes a while for the insurance to start working. They have to file this piece of paper with that person and they have to wait for the police report (which may take a while if there are multiple vehicles and if it's out of state).

There's more I'm sure but this is all I can think of for right now. If you have questions shoot me an email message. Not everyone is going to have the same experience but I hope that you can take what I have learned and use it to not make the same mistakes I did. I thought I had things set up right, and I did for the most part, but some things I didn't know I would need so I didn't know to look for them.

If this is confusing forgive me, I am still working on my word fetching, the words are all still there I just get them confused or lose them for a while.

Good luck out there and please, please be safe!

OMG that's terrible! I'm really sorry to hear about all that.

You make a lot of excellent points about knowing your insurance and I have to admit I signed up, they asked me a few questions, and that's it. I couldn't really tell you the details about what they cover and what they don't. Now you've made me want to look into that and my homeowner's insurance too!

I really wish you guys all the very best. I don't know what the future holds for you guys but I'm sending my best wishes your way.

Sorry to hear about the accident. I am happy that your both alive and making strides in recovery. Also I am very glad you posted about being anO/O and the insurance limitations. It gives me new perspective on whether I want to ever peruse this avenue. At least with company driving you have workmanship comp insurance that may cover some of these bills.

I am very sorry for your wreck. Thank God your both on the way to recovery. Thank you for sharing the insurance info. I will go back and re read mine now for sure. I carry worker's comp as well as the list of other stuff on the truck. maybe it was overkill I don't know but I figured it couldn't hurt. I used to have Aflack and that duck can kiss my a**. It was a big ripoff in my opinion. Best wishes and prayers go out to you both.

OMG that's terrible! I'm really sorry to hear about all that.

You make a lot of excellent points about knowing your insurance and I have to admit I signed up, they asked me a few questions, and that's it. I couldn't really tell you the details about what they cover and what they don't. Now you've made me want to look into that and my homeowner's insurance too!

I really wish you guys all the very best. I don't know what the future holds for you guys but I'm sending my best wishes your way.

Take a moment to find out. Ask the worst case scenario. Find out how long they cover you and what it takes to keep that coverage. I've struggled really hard. There's a lot more I would love to share with you guys but I've got a few lawyers making me watch my tongue.

As far as homeowners insurance, I learned a nasty thing here recently. Full coverage on a manufactured home isn't full coverage. It covers everything except your subfloor. It's in the fine print, but it's there... You have to buy a separate policy and I forgot the name of it now, needless to say I didn't have it and I got a leak shortly after the wreck under my living room. We didn't notice it until the floor fell in. No one looks for leaks in the dang living room!!! (pipes from kitchen to guest bath ran under the living and burst during a hard freeze, but just enough to spray water under the floor but not so much to flood under the house)

Thank you all for the well wishes, we miss being out there and would happily go out again! As far as not being an owner op because of the insurance lets just say we went from making around 1k a week as a team to putting 2k in our pockets as a team. We were home every weekend. We made 7k but truck expenses, insurance, fuel, mortgage and whatnot(savings mostly) ate up the other 5k. And when buying a new truck, buy all the extra safety features you can!!! They saved our butts!!! When I can post pictures legally I will show you the difference between a 2015 Kenworth T680 wrecked inside and out and what the other 8 trucks looked like. Ours was dark bright teal.