My nickname at 16 was crash. Cute right? The Botzenhart Brothers (our mechanics) named me that after frequent (monthly) visits to their shop to fix my 3 (4?) car accidents that year. Now at 31 my grand total is 14, and 3 of those accidents totaled said vehicles.
Yay money! Yet somehow I worked it so that in high school to always had 2 jobs which covered the accidents and insurance premiums, and then in my twenties it just seemed like insurance rates couldn't keep up with me. The frequent moves? Constantly changing aliases? Sex operator phone skills? However all that spending had to have had its toll. Now for the first time I dive into the true ramifications of putting me behind a wheel... (numbers are approximations due to prompt destruction of records post-calamity):
- Accident 1: hit the house with the neon, damage to siding and car - $350
- Accident 2: ranger, hit the cement barrier in the garage at the galleria - $200
- Accident 3: ranger, falling off of a cliff in canandaigua - $250
- Accident 4: ranger, hydroplaned into another vehicle - $250
- Accident 5: ranger, totaled by a semi truck - $0 (it wasn't my fault!!!!!)
- Accident 6: totaled a rental car - $0 (thank god for rental insurance...)
- Accident 7: scion, let dumb bf drive and he ran a red, got t-boned - $500 + renting a car $300 (yes I paid, my poor dating decisions is a separate topic)
- Accident 8: scion, reversing back into an intersection - $500
- Accident 9: equinox, rear ended a truck - $0 (no damage)
- Accident 10: equinox, side swiped a guy who was high as a kite, totally my fault but when I mentioned a police report he peaced - $0 (same day as accident 9)
- Accident 11: mini cooper, hydroplaned after intersection - $250
- Accident 12: mini, side railed by another vehicle - $0 (woooo, not my fault)
- Accident 13: mini, took a left turn into a vehicle passing me - $500
- Accident 14: mini, totaled on the pike - $500 + miscellaneous broken foot fees... $1000?
- Insurance ranged $60-120/mo during this time and I was not driving during 4 years while in college: $90 x 12mo x 11yr = $11,880
- Car payment years were 2006-2014 ranging $250-450: $350 x 12mo x 8yr = $33,600
Assuming an 8% interest rate and compounded interest from the middle age of my driving years (16-31 = 23 years), this $50,080 would equal $1,269,001.25 at retirement.
And that is not including gas, excise fees, planned maintenance and tolls...
OK, so kill me.
This is part of why I chose to be car free as of 8.6.15.