I had a list of things to do:
Drop my car off at the Chrysler dealership
Stop by a post office to send priority mail
Get a doll stand for a teddy bear
Go to the doctor's office to see a nurse practitioner
Stop by the grocery store to pick up a few items
Go to the farmers market for fresh fruits and vegetables
First on the list - taking my PT Cruiser in for service. The tail light keeps going out. When I bought that vehicle, I bought an extended warranty - lifetime. Chrysler is supposed to fix anything that goes wrong with that car except for the power train (issue covered in previous blog) and all I pay is a $100 deductible. That was working fine until that little jerk at the dealership in Sherman, Texas told me it was a power train issue when it wasn't and I paid $1200 for the repair which I was unable to recover from Chrysler. So I switched to a dealership in Frisco, Texas and they were wonderful. But then we moved to Florida. Let me say that I'm not a fan of this dealership. I told him when I took it in a month ago that it wasn't the tail light but he insisted that it was. So for the past month I've been stopped by friendly neighbors who want to let me know that my tail light is out. I hope they will fix it this time. But they don't really want to work on the car, so they took it on Friday morning and let me know that they wouldn't be getting around to it until Monday. By the time I left that dealership, they weren't going to get to it until Tuesday. And this dealership annoys me because they keep referring to "the warranty company". The "warranty company" is Chrysler. You are a Chrysler dealership. Stop referring to it like it's somebody else who has nothing to do with you.
Meanwhile, I need to get the car registered in Florida. When we were back in Texas last week I went to the DMV to request a duplicate title. I'm pretty sure it's in a box somewhere in my house but I thought it would probably be easier to get a copy than figure out which box. I went in there, filled out the form and waited for my number to be called. The young lady said I needed a release for the lien. I told her the car had been paid off for seven years. No liens on the car. And she told me that the release on the lien had never been filed with the state. She gave me a phone number to call to get another release since I suspect it's in a box in my house, but I'll never find it. Bottom line - I could not get the title. With no way to prove I own the car, I can't register it in Florida.
I called the number for TD Autofinance and the young lady promised to send another release form. I fully expected it to be in the mail when I got back to Florida. It wasn't. I ended up ordering it online and getting it expedited at a cost of about $50. But I was able to take that with me on Friday so I could overnight it to TX DMV and hopefully, I'll get the title in a week or two so I can register the car in Florida.
The appointment with the nurse practitioner wasn't til 11 am. So I went off to the post office to get the application for a duplicate title in the mail. By that time Michael's was open so I stopped in long enough to find out that they didn't have what I wanted. Now my options are find a Hobby Lobby or order one online.
Next up is the medical practice. My appointment was in Davenport. I've been suffering with an ear infection for weeks. We still don't have a primary care doctor in Florida. Except for Mark's hematologist, we have no doctors here. Mark tried to make an appointment for me several weeks ago with a nearby practice and I'm not sure what happened because usually all they want is your Medicare supplement policy. But for some reason they insisted that I have my Medicare card. Mark was going through my purse looking for this stuff because I was in pain. Long story short - he didn't know what he was looking for and even though the woman said she would give me some time to find it, when I called back to say I had it, that woman was gone and there was a guy who said there were no appointments. Period. No appointments. Not in Poinciana. Not in Davenport. I was fairly put out with that and I didn't want to call them again this time, but given that I left a message with the other local practice and they didn't call me back, I felt I didn't have many options. The other doctor had a two-star rating. Who wants that? So I made the appointment with the first practice's Davenport office because I had to take the car to Davenport, so it wouldn't be so far out of the way.
When I got there, they wanted my medicare card, my insurance card, and my ID. I was good on everything except the ID. I'd had to scan a copy of it to send in with the lost title application and it was still on the scanner. Now, in Texas the receptionist would have said "That's okay sweetie, you just fax it or email it over to me when you get home." But this ain't Texas. "If you don't have ID, no one will see you." All I had was a business card with my picture on it. Not good enough. So I went back out to the truck where Mark was waiting, because their waiting room was full. I told him I would not be seen and why. He was upset. He was going to go speak with the supervisor.
I waited in the truck but decided that there was really no point in us wasting anymore time with them. I went in and told him we should just go and not waste anymore time. Probably just in time, because when he wanted to speak to the receptionist's supervisor she threatened to call the police. Seems a bit extreme to me. We'd read the online reviews for several practices in the area and they were all the same, the doctors were great but the front office staff were all rude and horrible. We just hadn't believed that it was really as bad as everyone said. But it is. And life's too short for that kind of BS. I've since learned that if you want people who act professionally you need to go to downtown Kissimmee, Celebration or Orlando. Poinciana (which is actually closest to us) has rude and unprofessional staff. So I got him out of there before the receptionist called the police - which he was encouraging her to do. But I was a bit upset because I've been struggling with this ear infection for weeks and nobody anywhere else in the world would have treated someone the way that practice treated me.
Next up - get food. We were going to go back to the Publix in Poinciana and then to the farmer's market in our community. We were driving through a rural area on the way back home. It's a US Highway - not some obscure backroad. But there were three people on bicycles. One of them was trying to carry an umbrella (it wasn't raining) and he dropped it. He stopped, which forced one of the other riders (who had a cart attached to the back of his bicycle) to pull directly in front of us. I mean directly. We'd slowed down when we saw them pedaling down the road, but when he swerved in front of us Mark slammed on the brakes and we somehow managed to avoid hitting anyone. Bicycle versus F250. It wouldn't have gone well. We stopped and rolled the window down and to be truthful, I can't remember exactly what we said to them. It is possible that the word idiot may have been used - it was certainly appropriate. Who other than an idiot pulls out in front of an F250 traveling at 55 MPH? We did have to brake extremely hard - everything in the back seat was on the floor - glad I hadn't been to the grocery store to buy eggs yet.
But instead of apologizing for pulling out in front of a moving vehicle on a US highway - not some rinky-dink side street - the guy with the umbrella started yelling at us to "get on down the road and mind your own business" and "don't call my son an idiot". Keep in mind, his son is now firing up a cigarette on the side of the highway, which is what I suppose you do if you've just had a near death experience. And it did look like near death from where I was sitting.
Got my groceries from the store and from the farmer's market and went home to deal with "stuff".
Part of the "stuff" I was trying to deal with is getting a Florida auto insurance policy. Be cause it's something else I'll need to register the vehicle.This is where I started getting depressed. I'd always carried comprehensive coverage on my car. I never did any comparison shopping - my car insurance and homeowner's insurance were all bundled together and I never really questioned what I was paying for anything. But now that I have to make changes, it's all coming under closer scrutiny. I needed to drop the Ford Ranger off our policy since we sold it a few months ago. And I needed to change the house from our principal dwelling to a rental, which drops it considerably but since I don't have a tenant yet, it puts it back up to almost as much (maybe more) as when we lived there, even though there's no furniture in it. It doesn't make a great deal of sense to me. I suppose in some neighborhoods a vacant house would pose a greater risk to the insurance company, but I really don't see that in this case. But I digress, back to the car insurance. They asked if I'd had any accidents in the last 5 years. No. None. But when they got my driver's license number it turns out that the report showed an "at fault" accident in January of 2018. So I was racking my brain trying to figure out how I'd had an accident that I didn't even remember.
Turns out that when the RV fell off the hitch while we were parked and crushed the truck's tailgate, they decided to make that an "at fault" accident. And they decided to make it my fault, I guess because I was the one who called it in, even though no one was driving at the time of the accident. Something else to fight about. (Sigh.) But back to my state of depression. The price I was given for 6 months coverage seemed exorbitant, granted it went from $100 to $150 per month when they decided I'd had an accident, but that still seemed really high. I still need to look and see what I've been paying although comparing Texas rates to Florida rates is probably like comparing jalapenos and oranges.
But then I started thinking about the car. It's an 11 year old car. Other than the tail light problem that the dealership is supposed to fix, it's in perfect condition. I've maintained it and fixed anything that ever went wrong. I've been happy with it. But the sad fact is that if someone hit me and totalled it, I'd probably collect about $1000 on it. Which makes me wonder why on earth I'd pay out $1000 per year to insure it. I guess I didn't realize how little it's worth because we had a 1994 Ford Ranger that was mechanically sound but it needed a new paint job and the interior upholstery was shot. We sold that for $800 which is about what Kelly Blue Book says I can get on a trade for my PT Cruiser. Doesn't seem right that a 25 year old vehicle that needs a lot of TLC would be worth the same as an 11 year old vehicle that doesn't. But things don't always make sense and right now, we need to figure out whether we want to trade the PT cruiser in, or trade-in the F250. Or buy a new car and sell them both outright. Or just keep the PT cruiser and rent a car for long trips- although long trips may be a thing of the past. After this last trip, flying is looking more attractive - but I know I'll change my mind about that the next time I get on a domestic flight. There are numerous possibilities and I need to decide on one.
No wonder I haven't had time for a pedicure.
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