When it rains, it pours.

Life can suck sometimes. Bear with me and my long story. I think typing it out will help me deal with my pent up frustration.

So some asshole broke the window in my car, while my husband was using it. He was inside a restaurant for a work function for only like 1.5 hours. The probably meth monster stole about $2k worth of stuff.

We make a glass claim with our insurance company because the only problem we found was a window was broken. While the glass company repaired the window they found that our regulator was broken, the mechanism that rolls the window up and down. When we made the original claim we were told that we had a $100 deductible, so all we had to pay was $100.

But noooooooo. Since a "mechanical" failure came into play, it no longer qualifies for the glass deductible, it now falls under the comprehensive deductible. Since there is a $500 deductible on our policy, we'll owe another $400.

Here's why this pisses me off. Several people told me that since the mechanical thing wasn't found until the glass people were working, it should fall under the $100 deductible. But the claims adjustor saidi that the $100 deductible is no longer in effect, it's now the $500 deductible, minus the $100 I already paid.

Let me break it down for those of you who have still continued with the story. The parts and labor for the mechanical failure will be about $322. Then there's the $100 I already paid toward the glass claim, so a total of $422 out of pocket. Right? Oh no! It gets worse.

The claims adjustor said that since the $100 glass deductible is no longer in effect, I now have to pay up to the $500. Which means The remaining $78 will be used by more toward glass!!!!

This is what bothers me. If I would have just stuck with the glass claim, I would have paid the $100 and done the mechanical thing out of pocket and not told the insurance company about it. So I would have paid $422. Now I have to pay $500!!!! How in the hell is that fair? I don't even know if this makes any sense to you. It's sort of hard to explain.

You may wonder why I went through with the claim. Well, as I was asking my insurance company about my policy and what my options were, they added it to the claim! So there was no turning back.

To make things worse, my hubby got a speeding ticket today. As I said before, when it rains, it pours!