On July 14, I was involved in a serious car accident. An uninsured motorist in a Ford F150 ran a red light and t-boned me, spinning my car almost 90 degrees, leaving me with a concussion, a back fracture, cervical muscular spasms, spondylosis - and very lucky to be alive.
I have estimated my costs related to this accident to be between $25,000-$30,000 (including immediate medical costs, legal fees, lost income from having to reduce work hours in the first few months, transportation costs, and long-term physical therapy). The absolute maximum I will ever be able to recover from my insurance will be $10,000 because, as I learned the hard way, your uninsured motorist policy falls under a different category than all your other coverage, and on my particular policy it had a low maximum payout, and no rental car re-reimbursement. The person who hit me also had no assets to speak of, so pursuing further legal action against her will lead to nothing but wasted time and money. All of these factors have moved me to do something I have never done in my entire life, and that is ask for help.
I'm a firm believer some of the biggest problems in society today are that people have a sense of entitlement, a lack of personal responsibility, and a love of playing the 'victim' - and every single day I try to make sure I don't fall into any of those traps. I am ideologically opposed to asking for a hand-out, and it took the firm convincing of some dear friends just to take the leap and make this GoFundMe in the first place.
This entire experience has been grueling, but perhaps most of all, humbling. Anybody who has ever known me knows that I am fiercely independent and ambitious, and for a guy like me, admitting that I need help might actually be harder than any other part of this whole ordeal. I know now that what truly will give me the strength to get through all of this is the support of friends, and, like everyone else, I am nothing without other people.
I love you all