May 2021 3 44 Report
A deer ran into me & destroyed my family?

I went to visit my sister a few hours away & my mom insisted I take her *new* car because she wanted me to take my little foster sister along. When I got to my sister's house, she was fighting with her husband. She quickly packed up as much stuff as possible & demanded we leave to go back to my mother's immediately.

I was driving, as my sister has night-blindness, and a deer came into the road. I saw him & slowed down. He turned to go back into the woods & then abruptly ran into the driver's side of the car. He dented the entire driver's side, bumper to bumper. Thankfully no one was hurt, but my mom was very upset because her car is only about 2 months old and I woke her up around midnight to let her know. Fast forward a few days, the insurance adjuster looked over the car & there is $4000 in damage. The deductible is $500. Here is where the problem arises.

I have offered to pay part of the deductible since I was driving. My mother does not feel she has to pay any part because she was not with us when the accident occurred. My sister does not feel she has to pay any part because she was not driving. They both agree that since I was driving and my sister does not work (and I have 2 jobs) that I should pay the entire amount. I feel like this is unfair. I don't mind paying a portion of the deductible since I was behind the wheel, but I feel like I am being punished. To me it seems that the blame has been dumped entirely in my lap. It wasn't as though I was texting & speeding & totaled the car. A deer ran into the side of the car & I'm being held completely responsible because I am the only passenger that has a job.

Also- I had every intention of using my own car. My mom wanted me to take hers because it would be more comfortable for the kids in the back seat & it was better on gas. I planned to stay a few days at my sister's & leave right after lunch so that we could take the kids to a nice museum on the way home. I had planned it so that we could stop & see the museum, eat dinner, and be home before 9pm. I planned it that way so that I wouldn't have to drive tired or late at night since we live in a very rural area with lots of wildlife.

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