So, here’s the situation: my ex accidentally hit my car, and when I mentioned it could either go through insurance or she could pay for the damage herself, she got angry. She sent me $200 right away, but my deductible is $750. I’m not even sure if she has insurance, and there’s just a scuff on the back bumper. Personally, I don’t think the damages would exceed $750 anyway.
To make it more complicated, she confessed to cheating on me right after the accident, which really upset me. Now she’s angry that I suggested going through insurance. What’s the best way to handle this?
It sounds like you’re in a complicated situation, both emotionally and practically. Here are some steps to consider:
Assess the Damage: Look closely at the scuff on your bumper. If it truly looks minor and you believe the repair costs are under your deductible, it might not be worth involving insurance at all. You could use the $200 she sent as a temporary solution and see if any additional funds are necessary for the repair.
Communication: Since emotions are high, especially with her recent revelation about cheating, it might be a good idea to keep communication straightforward and focused on the car issue. Avoid letting the personal feelings spill over into the negotiation about the car.
Determine the Costs: If you feel comfortable, get an estimate for the repair costs to confirm whether they exceed the $750 deductible. If they don’t, you can decide to handle the repair without going through insurance.
Make a Decision: If the damages are below your deductible, you can choose to pay for the repairs yourself or negotiate with her. If they exceed the deductible and you feel you want to involve insurance, prepare to discuss that with her while remaining calm.
Document Everything: Whatever decision you make, ensure you document all communications, payments, and any interactions related to this incident. It can help serve as a record if issues arise later.
Move Forward: Regardless of this incident, try to focus on your own emotional well-being. It’s understandable to be upset about both the car situation and the personal betrayal. If necessary, consider talking to friends or seeking support to process everything.
Remember, it’s important to handle both the car issue and your feelings with care, as it may help you find resolution in both areas.