A Trifecta of Oceanic Proportions

Now that my RV has brought me back to the wild and grey Atlantic that I love so much, I feel that I have truly come full circle.

I haven’t been able to go anywhere this week, glued as I am to my phone and a couple of projects, so I was starting to fear that I wouldn’t get to the Atlantic on this trip. I pulled up Google maps, ran a few calculations, and decided that Lighthouse Drive in Hampton was pretty much on the ocean. It’s probably still technically on Chesapeake Bay, but, really, where does an ocean start and end?

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For nostalgia’s sake, here I am in the Pacific Ocean during this great big adventure of mine:

And here I am again, frolicking in the Arctic Ocean:

Now, I just need to get to the shores of the Gulf of Mexico!

Managed to Reach BMO

I dug through my computer and found enough to call BMO this afternoon. Friday just felt too far away. The first number I tried was the wrong one, but the helpful lady gave me the correct number.

The correct number was answered by an English-speaking computer. WHAT?! I’m not used to dealing with this stuff in English, so I pressed two for French and got an Anglo with a really thick accent. HUH?! It has always been my experience that Anglos are lucky to get a French person who can muddle by in English with an almost incomprehensible accent when they call anything that’s remotely official in Quebec.

But I digress.

I didn’t have my loan account number, but I was found through my name (it helps to be the only person on the planet with your name) and then I breezed through the security questions.

The loan balance was just about where I expected it to be, $4,200. I have a payment over the weekend which may affect the balance unless BMO does a stop payment once they’ve heard from the insurance company. I don’t mind if that payment goes through because it will eventually come back to me, but it would be nice if it doesn’t.

Before we got down to the business, the guy told me he was sorry to hear about the accident and was I okay? Yes, thank you, but I’m pissed off that my nearly paid off car is totaled. He gave me the balance and said he hoped that the insurance payout would cover it. “Yup. And I’ll still have more than $7,000 in my pocket by the time the moron’s insurance pays me back my deductible.” His reply was, “How did you pull that off?!” Apparently, they get a lot of people who have their car totaled and the insurance payment doesn’t cover the loan. It would suck to have to make payments on a car that’s been totaled!

So, now I just have to wait for my total loss adjuster to contact BMO because that’s how BMO wants things done. At least, I’m two days ahead of where I thought I’d be after I hung up with her.

Intact has been absolutely stellar. Big thumbs up!

Call From the Total Loss Claim Adjuster

The total loss claim adjuster for Intact just called me to confirm the amount that I will be getting for the car (I ignored the number; it was huge, even without my deductible, and I don’t want to get excited until I get confirmation on how much is left on the car loan). She wanted to send me a cheque with BMO as a co-signor, but I found that way too messy and it would mean I wouldn’t be getting paid till I got back to Quebec and able to get to a BMO.

Instead, I will call BMO Friday morning to get a statement of my account sent to the Intact adjuster so that she can pay the loan out directly. Friday because I’m staying at the hotel again tonight and don’t have access to any of that paperwork, dangnabit.

Once the total loss claim adjuster gets the statement, she will send me some paperwork that I will have to somehow print out, sign, then have witnessed, and get it back to her. After that, she will arrange for direct deposit or a cheque to be made out to me for the balance. I really don’t see myself getting the payout before I get to Quebec, but this does seem easier than going the co-party cheque route.

She finished with a bit of great news: they are paying for the car until the 14th! I think that means that if I keep it on the 14th, then I have to pay for that day. So I may end up paying for the car for a couple of days next week, but I’d be looking at less than $60 for a rental when I had thought it would be closer to $250! Bureaucratic red tape has worked in my favour!

Grateful For My Little Pink Phone

I’ve never never had much use for phones, except when they act as a modem to get on the internet. I’ve been very lackadaisical about keeping an active cell phone unless I have a very specific reason for needing it on (eg. my PR person at the RV show needed to be able to keep in touch with me). I lived most of my life without 24/7 access to a phone and I just don’t rely on the technology that much. When I’ve needed a phone in an emergency, it was just a matter of minutes to get it reactivated. I don’t remember missing access to a phone when I was traveling through the US last year.

On this trip, I wanted to have internet access, so I was very grateful that Donna gave me her LG phone that can be tethered to your computer and act as a cellular modem:

I was irked that I had to buy a voice plan so that I could get the data plan, but jumped through the hoops and got the smallest phone plan, 450 nationwide minutes. A few days later, I decided to pay the extra $20 and get the nationwide+Canada plan. This means that I can make calls to anywhere in the US, Puerto Rico, and Canada, and receive calls from anywhere in these locations, without being billed beyond my monthly amount as long as I don’t use up more than 450 minutes.

Needless to say, I have been very grateful for my phone since the accident! I haven’t had to worry about being able to reach people or to be reached. I do only have about 120 minutes left, but at least I will have used up all my minutes, making the expense worthwhile.

I did find it fussy for going online, but suspected the cable was bad. I spent all of $2.50 on Amazon for a genuine LG cable with a cell phone port at one and and a USB port at the other and, voila!, problem solved.

This phone has a touch screen and QWERTY keypad (the phone opens up like a book to reveal the keyboard), which is useful for texting, although I have to pay for each text (it was $10 to add a texting plan). I will confess that I have used the phone to check my email and to do internet research! The phone also has a pretty decent little camera.

I love my easy-to-remember North Dakota number and am thinking about keeping the voice plan active when I get back to Canada, although I will be turning off the data plan to avoid incurring huge charges. I am amused that I am considering keeping a $70 cell phone plan active when I’ve resented paying the $17 minimum fee to keep my Virgin mobile phone active. I think that part of it is that I will be able to use this phone everywhere I travel and that I’d need it active anyway in the US to get the data plan. Might as well keep it going all the time.

Verizon seems like an okay company to deal with, but they are a little clingy. I just made a payment online using my credit card and I immediately got both a text and an email thanking me! I won’t even get into the mountain of paperwork they sent me thanking me for signing up, for changing my plan, for switching to paperless billing (as my friend says, oh, irony, it burns!). Hopefully, that will calm down a little.

Call From the 330 Area Code

The 330 area code serves northeast Ohio. The person on the other end was the insurance adjuster for the moron who rear ended me. She sounded very pleasant, apologizing for taking so long to get back to me and promised to get in touch with my adjusters today.

We began with my going over the details of the accident and she says that my story lines up with her client’s. We briefly discussed the damage to both the car and the motorhome as well as to my contents.

The first bit of good news was that she wanted to know if there is a place she can send me my $1,000 in deductibles soon as she gets confirmation from my adjusters that I have them. Hell, ya. Thank you. One less stress.

Next, I told her about the axle issue and she said that she will listen to both the mechanic and the appraiser regarding the damage. I think they will both go to bat for me on this issue. Moreover, I had a thought last night. Why is the appraiser coming back out again? Whatever he first saw wasn’t enough to decide either way, but it was enough to make it worth him coming back out.

Finally, she asked me if I had any comments and I let her know that her client completely screwed up my life and that I am concerned about the axle damage being covered. I have consulted a lawyer, but I am hoping that we can resolve this through the insurance. She said that he does have sufficient coverage and if it looks like the axle could have been caused by the impact, they’ll cover it. Her tone changed after I mentioned the word lawyer. It was really subtle, but I could feel a definite chill. I remained pleasant and cheery, thanking her for her time, but something definitely changed. For better or worse, we’ll soon find out.