I think I will explode

I feel like a worthless peice of crap. How can I be so messed up? My son was in a car accident last night. Minor, he had a blind spot and hit a state trooper while changing lanes. Well, my friends were here and we were talking about insurance premiums and kids etc. I opened what I thought was a bill for November's insurance payment.

It was a cancellation notice affective 10/25. It seems that my check for September's payment bounced and they did not re-deposit. My bank is usually fine about that. I screwed up my checking account. I went in early Oct and made a payment and that one cleared. so now the notice was before I made the Oct payment. It said that the policy was cancelled Oct 25. I am trying to understand if since that one cleared it pushed the cancellation to Nov 25th. I am going nuts. No one to call till tomorrow.

I pay his insurance because he is a student and hasn't been able to. I was just talking about having him pay his own insurance because he is living here. We just don't make enough money to survive! I am scared.

If he was uninsured he is in deep trouble. Because of me. He will be fined, we will have to pay the thousand or so to repair the trooper's vehicle, he will have points on his license, and he will have to buy special SR22 insurance.

I want to throw up. How come I didn't check that letter? I don't open my mail much. I usually mange to keep utilities from getting shut off. I was looking through my checkbook and see that the bulk of our money is med co-pays, (along with $500.00 monthly health insurance), food and pets. We certainly don't buy entertainment.

I feel so ill right now. How can I deal with yet more stupid stress? I feel like an idiot! Why is everything so complicated?

I may not have read this right BUT if I did you may still be covered..Once I made a payment in person late and they told me not to worry because when you pay you are paying a month AHEAD so they said even if I was cancelled I wasnt but had I been I would still be covered for 30 days....I have state farm...Call and see tomorrow I am so sorry I would be scared too and mad but you are not crap

Keep it coming sleeps. gotta hear it and take it in. I am so freaking right now. Thanks so much.

Awww I feel so bad for you but I SWEAR to God thats what they said at my office. I know what it is like to worry all night to make a call and worry about what the news will be and all Did the letter have an effective date for cancellation?

Oct 25th was the date stating he would be cancelled but that was with two payments due. I made one of the payments. I feel like I am holding my breath.

I can definitely relate, I accidentally screwed up my checking account and am waiting to see just how bad the fall out is, praying that I at least have some food money left at the end.

((((((((((((((((ww))))))))))))))))))))

Well, Pat Sarah and sleeps. It's a definate. My son was uninsured from Oct 25th to today. I borrowed $400.00 from a friend, had a check from my son for $70 he owed me and I put in $130.00. Now my insurance is paid for three months and his is okay through this month.

I called the state police and asked to speak with a sergent. He was kind but not the one who had been on the night my son hit the cruiser. He said that it is at their discretion whether or not to give someone a ticket for driving without insurance.

I got a call on the way home and it was the right sergent. I told him the story and he said he personally had no problem with just letting us pay the damage but he had to kick it up and they would review. The damage to the cruiser is $3,000 dollars. Hubby has $2000 in flexible spending we can try to get and the other thousand we will have to borrow.

I feel like life's most major screw up. I decided today to have all of my check go to an account and have automatic bill paying set up out of it. I just did the math and it is tight. Probably have to take out a few things like prop tax and lower the oil pay.

I want to scream. I do have some relief but I feel awful. I need to sit down with someone with a brain and do the math and set up the direct payments. I already pay our mrtgage, the credit card bill(hudge) and my spouse's legal restitution out of my check.

Hubby can buy food and gas. Miscellaneous. I am tired and sore and really confused. How to get throught this?

%#@&#! I was hoping it would not be like this..and 3000 is a lot...I hope youre gonna make the kids work it off and pay you back ...I am sorry Personally I do not like my bills paid automatically cause some months I have to rob Peter to pay Paul...you ever think of a credit councelor? I have but I never do it ...cause I be duh

Okay so I feel like the worlds biggest incompetent idiot. It really stinks that I am afraid to open my mail. It is not good that by the time I am home from work I am spent.

In laws came home from a cruise last night and called. I told Mother about the accident and how we had to pay the damage. She got very quiet and obviously upset. I feel like a freakin failure in life. I need to start having all of my funds direct deposited into a bill payor only account and live off hubbie's income. At my age to still need financial help from aging mommy and daddy is rediculous. Hubby plans on asking them for help to buy oil. I say we freeze first. I hate "NEEDING" anything from anyone.

I went to retrieve some insulation from freecycle tonight so we can insulate our garage under the house better. When I came home daughter was sick, crashed after I dropped her off. Low thyroid and on replacement, says she's freezing. She leaves for long term ocd treatment on Monday. Of course my mother in law had to call the pharmacy and give her credit account info as we don't have a credit card.

My baby is a brave soul and if she can do the residential ocd treatment, I can auto plan all regular payments so the insurance stuff never happens again. I am so weird. I can do other people's stuff all day, and then I come home.......

i'm sorry, WW. we all have our "moments" where we have to ask for help. don't beat yourself up...xoxoxo pat

(((((((((((wisewoman))))))))))))

Thanks Ozzie. It hurts me that my mother in law is upset with me because they are the only parents I have ever known. I truly love them and I feel like a piece of cow poo being so incapable that I don't open my mail or pay my bills on time. I am actively working on a solution, I just need a little time and that I have not had. Busy at home, busy at work.

Wisewoman, I have done that too - In fact, I did it twice and had my insurance cancelled. The second time, I set up automatic payment. I'm so sorry that this accident had to come up at this time though. Hugs ((((((wisewoman))))

And by the way, You really ARE a wise woman. You have said so many insightful things. This is just one thing. It happens.

Please, Wisewoman, don't call yourself those names. I've done it too. We are not idiots. We are human beings.

I feel like a piece of cow poo

Petunias love cow poo. It makes us grow.

cms, you are right of course. I just need to focus and get stuff done so it doesn't happen again.

Petunia, what is it with you? You can always make me laugh.

For all, this coming monday my daughter, my baby goes to an inpatient treatment facility for OCD. It is a program to last from 5 weeks to three months. She will be about 4 hours from us. I feel scared, nervous. I know she wants this and it is best for her if she can make it work. I am afraid because she will call me and I am so far away what help can I be? I am nervous because medically she has had issues lately with thyroid. My baby. She is probably the second most incredible human being I have ever known, safe for Jane who has been dead? a year.

Thanks folks.

((((((((((((((((ww & daughter)))))))))))))))))))

thanks Sarah