The other day I got into a car accident for the first time in about 20 years. I had stopped at a yellow light like a fool and several seconds later a loud bang sends my body lurching forward as if my ethereal self has been forcefully ejected from my corporeal self. Fortunately it has not. Upon further inspection everything seems fine. I glance in the rearview mirror to see the woman in the green Kia Soul behind me looking dazed.

What is it we're supposed to do in these situations? I'd very much like to drive off and continue about my business but I'm pretty sure that's illegal. I turn off to a less busy side street and she follows. I pull over in the only spot available, directly in the right turning lane. It seems like as good a place as any for whatever it is we're supposed to do now.

I get out of the car and she apologizes and asks if I'm ok. I say I'm fine, are you ok? She's fine too. This is off to a fine amicably awkward start. I check the back of my car and it looks ok except for the imprint of her license plate bolts in my rear bumper. Oh it doesn't look bad at all, I reassure her, feeling absurdly embarrassed about causing a hassle by having my car smashed. Her license plate is caved in but otherwise her car looks fine too. Ok, I say, so I guess we should exchange insurance information?

Yes that's the thing to do, I'm almost certain of it. Wait, are we supposed to call the police? No, any scenario I can imagine that would improve this situation emphatically does not include a cop showing up. She efficiently texts me her policy information while I fumble around with the GEICO app like an octogenarian just trying to get this dang thing to CALL someone. I mean I know it's a lot to ask for a phone to call someone, but maybe I'm just old fashioned that way. Nobody calls anymore anyway. Nowadays it's just tap tap tap on that smart doohickey—how can you even read anything on that tiny screen? Your fingers are liable to rot off from all that tapping. I tell you the art of conversation is dead and buried and rolling in its grave...

Finally I navigate the Byzantine labyrinth of texting her my insurance card and I say take care like we're old friends and then we get into our respective cars and go our separate ways. Alone again, I try to make sense of things. We exchanged insurance information like it was some solemn rite. What either of us would do with said information was unclear, but we exchanged it and that's what matters. Yes, I congratulate myself, you handled that masterfully. Like a regular middle-aged adult human who knows how to do things.

Back on the road, the doubts begin to creep in. Do I call my insurance now so there's a record of the event? Or is that enough for them to jack up my rate? Maybe I should wait until I'm sure something is wrong, but how am I supposed to know? Does the suspension feel looser than it did before? Was it all that tight to begin with? How in the hell is a layperson supposed to judge something as ephemeral as suspension tightness? Is that even a real thing or did I just make it up in my head?

As I cross the Fremont Bridge I let go of the steering wheel as a test. The car starts veering to the right, towards the edge of the bridge. I'm tempted to let it—it seems like the simplest option—but no, I don't have the stomach for that, and anyways I'm not the problem here. It's the system that has failed me by tricking me into thinking I need a dangerous contraption as unknowable as the human heart—and twice as deadly!—then getting me to buy it at a high enough price that I'm willing to spend extra money for the privelege of not havimg to worry about it getting damaged. This was supposed to simplify things, but nothing is simple. I am the warm pink fleshy nucleus of a cold universe bristling with swirling knives. I guess that's its own kind of simplicity.

I straighten out and merge onto Highway 26, aiming my car due west and not stopping until I drive the cursed object into the sea. At last, soaking wet, covered with kelp and various crustaceans, watching the sun set from the terminus of the Lewis and Clark Trail, my life is once again small and blessedly uncomplicated, and my mind is finally calm. My stomach is complaining though. I pull a couple of soggy bills from my sock and head over to get a Pronto Pup. That at least is something I can understand.

It's ok everyone I'm fine. Only about 90% of this is true. Still worried about suspension looseness as a concept though so I took my car into the shop to have it looked at.
@theropologist I worry about suspension looseness in every domain life
@OmniscientOrb I as well, particularly in relation to disbelief.
@theropologist Sorry it happened but glad you are OK!

@theropologist

Very happy right now it was not serious..Omg...But yes, it's hard to know what to do in the moment jarring to the brain and the body.

@theropologist Anymore it feels like every small ripple in my life begs me to rethink the whole thing, I'm older now, half way through (hopefully). Have I been to cautious? Am I doing this because it's expected? My bizarre mind cannot deal with all this normality, it wants to burst out, be embarrassing. Anyhow, I'll meet you for that Pronto Pup.
@theropologist For serious what is the Beige character limit?
@Cassandra 11001, just because that's one more than infosec.exchange.
@theropologist I’m glad it doesn’t seem too bad!

@theropologist
this is beautiful, a true delight to read. I’m sorry you were rear-ended, but it seems you will recover. If it hadn’t happened, you wouldn’t have written this, and I would have missed out! Truly the brightest spot of my day so far.

And it was the luckiest kind of accident you could be in, as insurance should automatically decide she’s at fault. Unlikely she’ll file. You have every right to report; and this will affect the trade-in value. But I get it if you don’t want to do it. When I had my first car, I didn’t report a couple of accidents like that. The car was old and the people who hit me weren’t rich.

Although, once I was in line for a ferry from Crystal Beach (party zone) back to Galveston, Texas, when a group of 4-5 drunk, fratboyish 20-somethings ran up to my car, yelled it was my fault, & intentionally terrified me (and my bf.) They laughed like young Kavanaughs walking back to their car. It was my first accident, I was 17, and did not get that insurance info.

@JoParkerBear Luckily I drive a pretty ancient Honda Element which essentially has a rubber bumper. And I barely drive anymore. I work from home now and I've can get to most things nearby by bike. For further things I've got a transit station a mile away, so really the only thing I need it for is going hiking on the weekends and driving to the bowling alley on Mondays because I don't want to take an hour and a half train ride. I've got no payments on it so I'm content to drive it until the wheels fall off.

I got a call from the shop today and they didn't find any damage, but my check engine light was already on and I had about two years worth of maintenance work I was putting off so it still ended up costing more than a thousand dollars. But a thousand dollars every couple of years still beats a car payment.

@theropologist that sounds absolutely idyllic— not the bill! The set-up where you can work from home, ride your bike almost everywhere, drive occasionally, ride trains 🚂
@JoParkerBear Yeah, coming from Southern California, the public transit in the Portland area was a huge selling point. Even when I was working in the city I rode the train in.
@theropologist
So glad to read that you're okay! 💙
@theropologist
What a ride, in every sense of the word.
@theropologist in my state, the law is if there's sufficiently much damage - a dollar amount is given - or any injury, you should call the police. In many states you can file a police report online. This may make a difference for to your insurance settlement. Also, you should immediately go to at least urgent care and probably an ER to establish a baseline for medical care. Often injuries show up in the following days of an accident and it's best to have that medical record.

@theropologist this is Oregon's procedure: https://www.oregon.gov/ODOT/DMV/pages/driverid/accidentreport.aspx

From that page:

You must submit a report of a motor vehicle accident to DMV when:

Damage to any vehicle is over $2,500 (even if your vehicle was the only one in the crash);
Damages to any vehicle is over $2,500 and any vehicle is towed from the scene;
Injury or death resulted from this accident; or
Damages to anyone’s property other than a vehicle involved in this accident is more than $2,500.

Oregon Department of Transportation : Accident Reporting and Responsibilities : Oregon Driver & Motor Vehicle Services : State of Oregon

Accident Reporting and Responsibilities

@theropologist Something to be aware of is that whiplash sometimes takes a day or two to set in. So if something feels off in your head or neck in the next couple of days, maybe see a doctor.

@theropologist Somehow I ended up at the bottom of this saga, scrolled up to the top saying “my god how long is this post?!” and then announced to my husband that he was about to hear a story about a car accident.

Worth every moment of abject confusion I experienced while reading it out loud, not knowing what was coming next. 

@theropologist I enjoyed reading your story