So now that this is over with, let me explain the car accident from the start, explain my side etc.
I'm not looking to get criticism over it. I'm not looking for people to judge or insult me. But I hope my experience can provide some help should someone ever deal with what I had to deal with.
So on October 29th, and I think it was around 9:15PM I was in the city of Newport News, traveling down one of the main roads called "Warwick Boulevard"
Traffic was backed up, and I was in the right lane going ~25MPH. I watch as a BMW SUV is trying to get over, she gets over, and then the guy in behind her in a VW sedan doesn't even slam on his brakes. I have no time to stop, despite going UNDER the speed limit, primarily due to being trapped, and the fact that I wasn't braking at max power because the guy wasn't braking or slowing down. I slam into the back of this VW sedan, sending him 50 feet ahead. Airbags deploy, I immediately black out for about half a minute, coming to with a huge contusion on my face, left arm, and leg. Car is fucked, it stalled but the entire frontend was crunched, as my image below shows:
What you don't see: The entire steering linkage is crushed and warped. Both knee and front airbags deployed. Radiator crushed, engine mounts shattered.
His car. Front end was completely fucked from smacking into the BMW.
The occupants of the BMW were fine. The BMW hit a U-haul, inside was the lady's husband (they were renting it apparentl).
Immediately, me and her husband check on everyone. Nobody was badly hurt, but I did have to help the mother, who was hysterical, calm down her 8-year old daughter. The guy who hit them couldn't speak English.
Police arrive.
Now first thing: Don't ever apologize for the accident, or admit fault. I did this right, and avoided a citation. The guy who hit them had to speak to Spanish-speaking officer (we have a large enough Hispanic population to have these) and apparently (I didn't overhear, though I can understand some Spanish) he admitted fault.
He got slapped with a "no drivers license" and a "reckless driving". The latter is a misdemeanor that can carry jail time, many points etc. I didn't get any because witnesses corroborated that he didn't use brake lights.
Here's my first mistake: I assumed the police, having declared him at fault, would be enough to scare his ins co into settling, so I called them up, filed the claim, got a recorded statement. My attorney friend advised me MUCH later that I shouldn't have done that, and should have only gone through my insurance. I agree.
This cost me my chance at arbitration, I later learned. Which meant I was responsible for my car. Now, his car is totaled, and I haven't been billed for that, so as of right now, I would say they aren't coming after me. But the collision is at my expense, and well, I feel it. My ins will go up, inevitably because of this.
Second mistake: My chiropractor, who worked on my whiplash/spine, was unable to help with personal injury claims.
Third issue: Virginia's arbitration rules are really stupid for auto accidents and don't go by police reports or faults. They go by insurance claims. So because I was blackballed, I was barred from damages.
This has cost me a fair bit. I won't get into bills, but they're not insignificant. I got an arguably nicer car (ironically, I was trying to sell my car right before this happened!) used from a semi-local dealer. That was $2500 + reg and ins costs. I have some chronic pain and concerns from not being able to exercise for about a month etc, and lost about 6 weeks of my side hustle's work. So things were unfortunate for me here.
I hope retelling this can explain some things, and also give some context. I put my book, IRIXCE, and my part in other projects on the site on hold to deal with this. It pained me, but I was in pain, literally, and also immense stress.
For those who feel I've been not delivering on anything I promised, I will be returning after the new year to IRIXCE (I may work on it a little bit here and there, got some things to update!) and my own little projects. Axatax did reach out to me about NW2 as well. Again, I don't have commit access to that for a variety of reasons.
Thank you, everyone who was kind enough to reach out, wish me well, and offer advice in my time of need. I am grateful to that. Let's end this year out on a high note, I say!
Attached: New car as it came to me on the 1st. I will update once we got the Garage subforum going!