Title: Ex-girlfriend and Car Trouble
Long story short, my ex accidentally hit my car, and it’s been a bit of a mess since. When I suggested that we could handle it through insurance or have her pay the damage, she got upset. To help out, she sent me $200 shortly after, but my deductible is $750, and I’m not even sure if she has insurance. There’s just a scuff on my rear bumper, and honestly, I don’t think the damage exceeds the deductible.
To make matters worse, she told me she cheated on me right after the accident, so emotions are running high. I’m feeling really frustrated about the whole situation. What would you recommend I do next?
It sounds like you’re dealing with a really tough situation, both emotionally and financially. Here are a few steps you might consider:
Assess the Damage: If you truly believe the damage is less than your deductible of $750, it might make sense to just accept the $200 she sent you and not pursue insurance. Get an estimate for the repair costs if you can, to have a clearer idea.
Communicate Clearly: It’s important to communicate openly with her about your expectations moving forward. Let her know that you appreciate the $200, but if the repair costs exceed this amount, you’ll need to discuss the next steps.
Consider Your Options: If she doesn’t have insurance and the damages do turn out to be over $750, you could either ask her to make up the difference or consider going through your insurance. Just keep in mind that using your insurance might raise your premiums, especially since you have a deductible to pay.
Protect Your Interests: Document everything, including photos of the damage and records of your conversations about the incident. This can help if the situation escalates.
Emotional Distance: Given the added emotional complexity due to her cheating, it’s essential to prioritize your well-being. Focus on what is best for you in the long run, rather than getting drawn into any drama.
Seek Advice: If you’re uncertain, talking to a trusted friend or family member, or even a legal professional, could help you navigate the situation with more clarity.
Ultimately, do what feels right for you both financially and emotionally. It might be best to let go of the relationship side of things and focus on resolving the car issue without added drama.