Sumner County, TN. It was an incredibly foggy morning, December 1, 2011. Just another ordinary day. I can’t think of many people who have the first of December ingrained in their memories like my husband and I do.
We’re used to fog, but on this particular day, the fog was surprisingly dense, and it was much colder than usual. After dropping our children off at school, we headed down Route 386 so we could get to work. I remember I had a very important business meeting with a car accident lawyer in Nashville scheduled for just after lunch, and I was prepping my notes in the car when it crashed into the car ahead of us, and then we were struck by the car behind us. It was terrifying.
All around me, cars just started piling up, one after another collided. It turns out that a car up ahead had lost control of their car on some black ice and ran off the highway. More than 175 cars were involved in the pileup, making it Tennessee’s largest multi-vehicle accident. One person even lost their life that day.
As you can imagine, life after the accident was chaos. Fortunately, neither myself nor my husband were seriously injured, other than a minor whiplash injury, but dealing with the insurance company was almost as awful as being involved in the accident.
Our vehicle was totaled, so first we tried was to file a claim with our insurance company. We were told that since we struck the vehicle in front of us, that we were responsible for the damage. We were absolutely livid.
We are currently still battling the insurance company, but the worst part had to be dealing with the insurer of the driver who started the accident. This guy was a quadriplegic now, and every single vehicle involved needed to file a claim with his insurer. That is, until we found out that he was driving without insurance!
The man has no money to his name and can no longer provide or care for himself, so suing him for the money we lost was out of the question. From what I understand, everyone’s insurance company who paid for repairs, is suing him anyway to recover the costs. We’re talking about millions of dollars in damage here.
Regardless of the fact that our car was totaled, we are alive and counting our blessings every day. Almost ten years have passed and we will probably never see the $75,000 we lost out on because of the accident, all because some insurance adjuster sitting behind a desk doesn’t want to pay out on the claims of people who have religiously paid their insurance premiums. Honestly, what’s the point of even having insurance if this is how you’re treated when you need help?