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!