Random Fail: First World Problems

[Rabidelly]

I'm at an Allied Health type of school, where it's very reasonably priced for what you get, but unfortunately it's such that I can't apply for any federal aid(and I would most definitely qualify if I could). One of the very few scholarships I can apply for (and received last year) is now being done away with so that the money can go to interns...sucks since I was really counting on that money to help me in a big way to finish my last stretch til graduation.

Just keep telling myself it's only 4 months of bills to get through, but blergh nonetheless!

[Aksannyi]

Just found out that while I have health care with the VA, I'm not approved for dental. Naturally, the thing I need most medically right now is fucking dental care. Orz.

[Guitarman]

Talk to a friend about a job. She says "I talked to my boss and he promised to at least give you an interview!"

2 weeks later and nada. Why's it so hard to find work. le sigh.

[BaneTheBrawler]

did you do any follow up? shit like that, you usually still need to apply.

[Guitarman]

I haven't, I might do that now that you mention it though

[Apelila]

Geico couldn't delay my payment by 2 days, going to have an overdraft on my account that's higher than the late payment fee they would have charged me.

Le sigh.

[Acevalefor]

Geico couldn't delay my payment by 2 days, going to have an overdraft on my account that's higher than the late payment fee they would have charged me.

Le sigh.

Cancel the auto-pay then pay online with a credit card...

I bought a motorcycle with my tax return and insured it through progressive. For $122 I get a year of coverage....except that's not the real price. When going through their online insurance application, there are several options to check or uncheck. Stuff like homeowner, safe driver, multiple driver, driver exclusions, etc. I had all these boxes checked appropriately and got the quote, paid the premium, and all was good. Until 3 days later when I got a receipt in the mail with a $189 charge and an explanation that since I am not a homeowner I do not get that discount and they so kindly adjusted the premium and charged me.........I never checked the homeowner box and I have the printed check-out summary from their website to prove it. I tried to call someone and got the 2 hour runaround basically telling me they could charge me whatever they want and I can't do shit since I gave them my credit card number. They also say I cannot dispute the charges and I cannot drop them since I am required to be insured. I sent the story to The Consumerist to see what they think of it. I also disputed the charges with my credit union and cancelled the policy online, you know, the policy that their CSR department said I couldn't cancel.

So basically I am angry about $67 that should not have been charged. That and getting told loltoobad when I called to question it.

[Brill Weave]

This just in folks, insurance companies rip you off! You'd think they would be a little less blatant about it.

[Nemesio]

This just in folks, insurance companies rip you off! You'd think they would be a little less blatant about it.

I've always had overwhelmingly good luck with both banks, and insurance companies. Banks often waved my over-draft fees when I was younger and that shit happened, and insurance well.. Nothing bad to say about them either. haha

[Brill Weave]

Give it time.

[BaneTheBrawler]

I got $500 overdraft protection for just such circumstances. Costs $15 a year, but it's totally worth it. Any time my account would be overdrawn, it automatically transfers $300 (I don't know why they chose that increment. The second OD would only get $200) from that protection account into my checking. It has a relatively high interest rate, but not Western Sky levels or anything. So I keep it paid down to 0 whenever possible. Worth looking into.

[Mina]

So I got a bill in the mail this morning from the fire department in a city quite a bit over for their services. I stare at this bill pretty confused trying to figure out why am I being billed for this when I finally give up and decide to actually call. The lady over the phone was just as confused as I was until she widened the search regarding this bill which was charged to me 2 years ago. They didn't have my name but my ex-employer gave it to them. After mentioning several small details regarding how the firemen assisted me (which totaled up to 300$ and some change) I realized what this bill was about.

And I internally rage.

I quickly call the insurance company of the man who hit me 2 years ago and discuss this bill with them which they simply state 'oh we have no records of that' and then I gather up all my saved copies of faxes. After speaking with them for a lengthy amount of time, I realized how futile this discussion was going. Basically after I was certain the entirety of the issues regarding my unfortunate car accident had been taken care of I signed the release of their responsibility for any future issues. Since this bill mysteriously did not reach their hands it was not their problem. What sucks is I actually did keep the copy of the fax receipt but they said if they didn't pay it/see it and I signed that paper, it doesn't matter.

I learned a lesson here. Should have made sure to square it all away but a serious accident has so many different places/people involved!

Annnnd for those who care about what the accident was:

(huge)

Spoiler: show

I had moved to Texas and picked up a delivery parts job to keep a roof over my head. The particular route I was given was a 6-stop 10+ hour drive that I ferried ASAP car parts across multiple stores. This particular day after I had finished my normal shift my boss tells me there's a customer who ordered a large amount of expensive parts. I agree to stay a little late and even go into the warehouse to collect the parts myself. After carrying back a bunch of rotors and whatever else was needed I load up the vehicle. I make sure to carefully box parts that are fragile and then stow them safely behind the truck seat. My boss loads up a bunch of tires in the back of the truck and I look at the rotors. Not a lot of space in this small ford pickup so I place them in the passenger seat.

I do a quick oil check and follow the spreadsheet of the routine truck inspection before pulling out. It's required by my job but most people like to slack.

I hit up one of the most god awful roads to be on in Texas at 5:00 and basically sit at a crawl, only really keeping one foot on the brake and lifting/pressing it whenever traffic moves 2 feet. I'm listening to some song on the radio and staring ahead of me probably thinking about what I wanted to eat after this run when I see something moving VERY QUICKLY in my rear view mirror.

I look and see a white truck, Nissan Titan coming at me (Ford Explorer). I lose the grip on my steering wheel as I quickly looked around. To my left is a wall, to my right there's an open space but even if I tried to turn I would either hit the person in front of me or I would be stuck sideways since the lane next to it had 3 cars backed up.

So what else could I do? I watched silently as the truck slowly disappeared to the right side of the mirror and relaxed. Oh maybe he slowed down and will pull up ne--BAM! I swear what happened next took maybe 8 seconds but felt like 8 minutes of my life. I first saw the left side of my vehicle smash into the wall/ground? sending glass flying everywhere. But what terrified me next was what came flying at my face. The rotors. Heavy as they were I felt them whizz right past my nose sending a wave of relief and fear as I saw them smash through whatever remained of the window. What happened next was my vehicle rolled back the other direction and make what everyone who witnessed it say a '8-full rotation while spinning and landing in a crumpled mess on its tires, backwards' movement. What I can say is I felt the metal of the vehicle completely crumple around me. The tires that were in the back had flown everywhere, but mostly smashed the back of the window behind my head, shoving my seat forward. The driver's door pierced into my left side. The passenger's side? Gone. The seat was holding the remains of the door and the ceiling of the vehicle. The entire time this was happening, I had calmly thought 'what do I want my final thoughts to be of?' and I thought about how I probably should let some grudges go, thought about how if I die I would really hope to see my best friend on the other side who had just died to cancer, and some other sappy love stuff I won't bore you with.

When I finally stopped rolling I remember the front window was spidered completely and that there was a red tint all over it and the console and the steering wheel. I reached out to touch the steering wheel which looked sticky and realized it was blood. Freaked, I wondered who was bleeding and oh god, I hope it's not that family in front of me. Shit shit did someone die!? I tried to shove the door open but it was stuck GOOD. I then fumbled with my seatbelt which why the fuck was it not unlocking?! Once I managed to free myself from my seat I realized that the driver's side window was mostly gone so hell, why not crawl out. As I touched the window I realized for the first time that I have blood all over my arms and hands. Again, I'm worried about that family I saw in front of me so I crawl out quickly. I headplant on the ground which was not my intention but my body wasn't reacting properly to the situation and saw blood all over the road.

SHIT! I get to my feet and look around. The Nissan Titan is untouched in the ditch and I'm facing traffic. I can't find my glasses but I can see the expressions of everyone looking at me. They are horrified. One of them is frantic on his phone. Everyone puts their vehicles in park and climb out running towards me. I quickly walk around my truck, thinking the worst for what was in front of me. Nothing. Everyone's cars are fine, but people are getting out of their vehicles to look at me.

As I'm trying to puzzle together what happened a lady rushes to my side and tells me to lay down.

Her: Oh god, oh god, oh god!
Me: What's wrong?
Her: You need to lay down! Oh my god, did someone call 911?
Me: I'm fine.

As she's freaking out I see the guy who was on the phone run up and pulling his jacket and shirt off.

Him: I called 911, they are on their way.
Him: Miss you need to lay down!
Me: Huh?

He starts tearing his clothes into pieces and wrapping them around different parts of me. I see the woman crying and going hysterical.

As soon as I'm relaxed on the ground. PAIN. I started screaming and howling. There are so many people talking and my vision is blurring in and out I could barely make out what people were doing at this point.

Guy: Miss... you're bleeding from your head, your arms, your legs, I think your side is bleeding too. Your hands have glass. You need to remain still.

I'm screaming so many things in my head at this point.

Then the guy who hit me shows up with his girlfriend.

Him: Uh, so I don't think your lights were working.
Girlfriend: YOU BITCH! YOU SLAMMED YOUR BRAKES! I'M GOING TO SUE YOU! MY NECK HURTS! MY NEEEECK HURTS!

I assure you. Their Titan is unscratched. They are standing straight and the girl is waving her hands at my face.

Shirtless Guy: Look you guys need to back up. She needs air.
Girlfriend: FUCK HER! I'LL FUCKING SUE! YOU'LL GET YOURS BITCH! FUCK YOU!
Shirtless Guy: Step back.
Hysterical Woman: Ohhh goooddd.... Oh god... *starts reciting some prayer*
Nissan Driver: So uh... you're not going to press charges right?

I barely see the police officer (who arrives in miracle time) who is kneeling over me showing me his fingers asking me to count them. He starts asking me basic stuff. My name, where I live, what was I doing. I'm gritting my teeth through the pain trying to make a cohesive response. Finally the ambulance arrives and once they check me out they decide I need a helicopter to receive me so I can go to a major trauma center.

So then comes the best part.
I had just moved to Texas, didn't really know any phone numbers of anyone who lived in Texas. The best I could have given was the phone number of several frequent business customers but that was no good. As I laid in the hospital bed for hours being treated I pondered how I was going to get out and when I got out, how was I going to get home? I fell asleep because of the good meds and when I woke up my boss was hovering over me, crying.

I start apologizing the moment I see him. I apologized for the truck, for missing the stop, for probably the super pissed customer. I'm in tears as I'm doing this and then I ask if I was fired. He started crying even more and told me to not ask that sort of stupid question.

After we calm down he explained that someone had seen the logo on my shirt and called up every store telling them about this accident. Eventually my boss and the store that was waiting for me realized that their radio calls were not being received by me and drove out to the site of the accident. The cops relayed them to the hospital I was supposed to go to which when they arrived they had to search through every room to find out I wasn't there. They then said if I was a serious case that I would have gone to one of two different major hospitals. One boss went one way and my boss went the other.

The problem was, they didn't have my name written down correctly at the hospital. They didn't have my driver's license and for whatever reason they never asked what my name was so I was filed under some other person's name. I was only allowed to have one visitor at the time and the other boss found me first so my boss had to drive (mind you this is putting him 7 hours of investigating for me) to this trauma center and find me.

In the time period of me being released from there and the time I finally stopped getting my last bill I swear I racked up more money than I'll ever make in my lifetime.

And I mean, apparently my medical bills were pennies compared to what my company went after for damages to that dinky truck for "Revenue Lost" or whatever.

I can't be too mad and it's not the firemen's fault that the bill didn't get paid. Although I have zero memory of seeing a fireman.

[Acevalefor]

wall-o-text

So what were your injuries? I am not sure this is a first world fail, but holy shit......

[Mina]

Let's go with, I'm glad there wasn't a passenger.

Nothing broken, lots of cuts, concussion... I think the worst was where the driver's side door got me. Thankfully it healed up and all that's left is a big ass scar there. As for where the glass got me/other flying objects, I have a lot of cuts across my arms and hands that are faint now. If you're not looking for it you won't see it. About 4 months of rest/physical therapy and I was up and running although I was terrified of driving for a while so I ended up quitting that job.

I put most of it out of my memory although the best conversation I had with the claims guy was when he was trying to figure out the value of my clothes that had to be cut off of me at the hospital. Apparently it was one of his firsts and he absentmindedly googled bras and panties to figure out a price.

The fail was me not being intelligent enough to make sure that insurance paid everything. I'm a moron but I'll pay for it. Probably had my life saved when I shouldn't have lived and I'm complaining about a 300-something dollar bill. I know it's stupid but I can't help but be annoyed by it.

[Mina]

Although I'll lighten the mood with another random fail/first world problem.

Purchased a JP 3DS and a game. Game arrived 2 weeks early but the console didn't.

FFFFFF...

[Melena]

At first I thought the first world fail was that you had to move to texas

[Cail]

They changed the yahoo.com look. /mad

[Fievel]

They changed the yahoo.com look. /mad

Oh gross they really did.

[Kerberoz]

Why does anyone ever go to yahoo.com?

[Cail]

i look at news story headlines usually