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The cow accident saga continues....Now remember this accident happened in broad daylight, I topped a hill and BAM the cow was there. The saga and stress continues over the car/cow accident. What we thought as a simple open and shut case has now become a nightmare really. The owner of the cows' insurance claims person has denied the claim. WHAT? Boy, were we in for a surprise to find out that in Oklahoma, because of Carter v. Ford that the mere fact that livestock is on the highway does not mean the owner is negligent. An owner of an escaping cow is not liable if he is without fault ( if the cow escapes its enclosure such as generally required to restrain it) In our case this means that they had a good fence and an approved and in-working order cattle guard with no debris in it to aid the cows in walking through it (in which the cow did) So, even though the owners opened the gate to let in oilmen who were going to be having some sort of meeting, even though the owners knew the cows had gotten out this way previously, even though they seen the cow get out and was trying to get it back in, even though they want to take full responsibility... DOES NOT MATTER. They had an approved cattle guard -and I guess in Oklahoma that is all you need! The owner said she was at fault and wants to accept responsibility but her insurance says no-no-no. What the heck???? I think if you have animals then you should be responsible for them.....period. It's not right that because you had a cow that got out, that it should cost someone else thousands of dollars.That is why we do have insurance so that if some one hits our cow, then we are covered. Now since we have been denied the claim, I now have to go through the whole process over again with my insurance (our insurance company's are the same -can you believe that?!) My car has been sitting for 3 weeks already. I took it to our local body repair and his estimate put the damage at about 5,000. But his opinion is that they will total it. Now this is where it gets nasty. If they do total it, then we are afraid that the payoff amount will exceed the value of the car. So what that means for me is that since my insurance does not carry gap, then not only will I loose my car but I will still owe money on a car I no longer have. I am still holding out hope for my car and maybe this week I will find out what they decide. { Last Page } { Page 53 of 369 } { Next Page } |
![]() I am a blessed homesteading homeschooling mom of 4 that has the desire to serve my Lord and be a great helpmeet to the one God has so graciously given me on this earth. You are invited to read as I write about my life that is rich beyond measure! ![]() My RSS feed
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What I am reading:"The Guernsey Literary and Potato Peel Pie Society".![]() Living off grid:*Milling grains*Cooking from fresh natural state ingredients *Making and shopping with a weekly menu *Making laundry soap *Planting and harvesting veggie garden *Canning and putting food by *Homeschooling *Sewing, making or fashioning items needed around homestead
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