We received a good surprise in the mail today. It was a check from Progressive for $500, the recovered deductible for the car that was totaled in the Epcot parking lot nearly a year and a half ago.
I wrote about the accident when we got the estimate, but the short version of the story is that Diana was leaving a mostly empty parking lot when a Disney maintenance truck driver clipped the back right corner of the car. There's no universe where anyone other than that driver was at fault, and if you watch the video below, it's very WTF. I'm glad it wasn't more serious and that Diana wasn't hurt. The estimate was $17k, which was high enough to consider it a total loss. The car was almost six years old and paid off.
Progressive was great, and got us paid very quickly, allowing for a solid down payment on the next car, but I'm still bitter because I'm sure that car could have lasted many, many more years. Guess what, a six-year-old EV runs pretty much like a new one. Even the brakes were essentially new. The battery range was down a little, but not in an even remotely meaningful way. We could still not have a payment. Also, the loan for the replacement, while not large, is a shitty 6.4% because of the rise in rates at the time. Some quotes were 8% or more!
But to add insult to injury, Disney cut a check and sent it directly for a few bucks to cover the extra day of rental that we needed beyond what insurance paid for. Worse, cashing it meant agreeing to a non-disclosure agreement about the accident and release them from any further claims (even though the video was already on the Internet). If you know me, it's likely expected that there was no way I'd go for that. I recently started to consider filing a small claims case to get the rest of the deductible, plus statutorily permitted interest and court fees.
Progressive's web site said that they had given up trying to get the deductible a few months ago. But then today, a check appeared in the mail for the $500. No need to sue.
That's the end of the story.
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