Help Cheycar ! #BBR
Donation protected
As some of you know, I finally met one of my biological siblings this year. Her name is chey and she owns cheycar. Some of you may know her as @cheycab on twitter. While I may not drive, she likes to. Riots, rain, or a blizzard, she will pick you up. 3am? No problem. She’ll be in your driveway at 245am. She built her business in a recession. Survived Uber. And was even squeaking by during covid when many of her colleagues threw in their towels within weeks of covid hitting. Her clients affectionately call her limo licensed suv the BBR(or big black rig). It’s big,bad, and beautiful. I’ve ridden it it.
Last week chey was driving some clients to a golfing outing when they were struck by an underinsured driver carrying only the state min of 10k in property damage. Now chey is on fire to change and update laws, so maybe I’ll need to be her campaign manager next. The good news was that the BBR protected everyone from serious injury. The bad news was that the BBR did not survive. Even in non covid times this is bad. Because now it falls on the not at fault driver’s insurance. And as you can imagine, a claim on a commercial passenger limo policy can impact a driver’s rates. And with a clean record chey already pays 8k a year for her commercial policy. And few companies still insure limos(it is no longer profitable for them due to underinsured/uninsured drivers). Because the other driver was underinsured, there was no lost income paid, no rental vehicle paid, and her ins paid out under the value of the vehicle which has oddly gone up in value due to covid inflation in the used car market.
Chey knew this accident would cost her through no fault of her own. And she knew her bank had restricted lending. But given her strong relationship with this bank, and her perfect pay history, she felt they would have no problem writing a new loan to buy a replacement BBR. The underwriters did not approve her. She was told she was at high risk of non repayment probably given how hard her industry has been hit by covid.
If there’s one person that can survive anything, including covid, it’s probably gonna be chey. The idea of a gofundme was very sickening to her because she’s the make it regardless type. But literally without a vehicle to operate her business, she will lose both her business and her ability to earn and provide for herself. She also has been working on a new business that pairs well with her car service, and that business requires the same vehicle to operate. Just as that business was to be launched next week, she now can do neither business. Obviously she’d love to get an equipment loan as she did before, but that’s not looking possible. She needs 60k for a replacement rig. Oofta.
There is tremendous urgency to secure a new BBR to get chey back on the road earning, to keep her business and household alive. Even once acquired, she’ll have to license it as a limo and go through all those hoops which isn’t an overnight process. Every day she is down adds to this urgency.
Last week chey was driving some clients to a golfing outing when they were struck by an underinsured driver carrying only the state min of 10k in property damage. Now chey is on fire to change and update laws, so maybe I’ll need to be her campaign manager next. The good news was that the BBR protected everyone from serious injury. The bad news was that the BBR did not survive. Even in non covid times this is bad. Because now it falls on the not at fault driver’s insurance. And as you can imagine, a claim on a commercial passenger limo policy can impact a driver’s rates. And with a clean record chey already pays 8k a year for her commercial policy. And few companies still insure limos(it is no longer profitable for them due to underinsured/uninsured drivers). Because the other driver was underinsured, there was no lost income paid, no rental vehicle paid, and her ins paid out under the value of the vehicle which has oddly gone up in value due to covid inflation in the used car market.
Chey knew this accident would cost her through no fault of her own. And she knew her bank had restricted lending. But given her strong relationship with this bank, and her perfect pay history, she felt they would have no problem writing a new loan to buy a replacement BBR. The underwriters did not approve her. She was told she was at high risk of non repayment probably given how hard her industry has been hit by covid.
If there’s one person that can survive anything, including covid, it’s probably gonna be chey. The idea of a gofundme was very sickening to her because she’s the make it regardless type. But literally without a vehicle to operate her business, she will lose both her business and her ability to earn and provide for herself. She also has been working on a new business that pairs well with her car service, and that business requires the same vehicle to operate. Just as that business was to be launched next week, she now can do neither business. Obviously she’d love to get an equipment loan as she did before, but that’s not looking possible. She needs 60k for a replacement rig. Oofta.
There is tremendous urgency to secure a new BBR to get chey back on the road earning, to keep her business and household alive. Even once acquired, she’ll have to license it as a limo and go through all those hoops which isn’t an overnight process. Every day she is down adds to this urgency.
Organizer and beneficiary
Debb Dorsey
Organizer
Minneapolis, MN
Chelanne Eisenman
Beneficiary
