I Got Rear-Ended in Hendersonville and All I Got Was This Lousy Concussion

Due to all the things going on in my life right now, I decided to take a leave of absence from work. It's for 30 days, and it will be unpaid. I knew it would be difficult, but I also knew that I had enough Starbucks stock to use during my leave. I sent in the paperwork yesterday afternoon.

Three hours later, I was rear-ended. The woman got out to see if I was OK, then told me she didn't have insurance. My aunt was a few cars behind and pulled over. She told me the damage was bad and that we needed to call the police. I asked her to call because my phone was in my pocket, and as she pulled out her cell phone, the woman god into the van, drove around the stopped traffic, ran and redlight, and got out of the county before police were able to get to her. Sigh. I gave both the police and my insurance company the license plate number.

Here's the kicker: I was sure I had uninsured/underinsured coverage. Well, I didn't. My claim is being filed under collision, even though I'm not the one who did the colliding. When I got my policy, I took a pretty high deductible on account of my excellent driving skills (I don't hit people - I have never had an at-fault accident, and in this instance, I was at a complete stop, as was the rest of the traffic on New Shackle). The bottom line is in order to get my car out of the shop I will need $1500, and after next Friday, I won't get another paycheck until December. Any stock I would have used will have to go toward living expenses during my leave. Yay.

I also have a concussion, which comes with a killer headache, nausea, and weak legs. Yay! Just what I need - a bruise on my brain. So I can't drive my car, which is fine because the woman's van took the bumper off. I hate my life.