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When Disaster Strikes

by Mike

Last month my wife ran to the supermarket to pick up some ribs for us to grill for dinner while I spent a lazy Saturday morning watching cartoons with my kids.   As an episode of Phineas and Ferb came to a close, I got up to grab myself a second cup of coffee…

Then I heard a terrible crash!!  I’d heard that sound before and immediately realized that two cars had just crashed into each other.  I cursed our busy street which often sounds like a race track as I ran to the front door to make sure no one was hurt.

And that’s when I saw that one of the cars that had just crashed belonged to me.

Thankfully, it wasn’t the minivan that my wife was driving.  It was in fact our third car (which I had inherited from my father-in-law and had just put on Craigslist the night before!) that had been parked in front of our house.  It was sitting on my lawn about 30 feet away from where I left it.

The guy who hit it was a little shaken up but uninjured and insisted he didn’t need a doctor.  He said he looked down at his feet for a second and the car swerved and rammed into my parked Accord.  I suspect he was texting or dialing a number on his cell phone, but that’s neither here nor there.

To make a long story short (too late), my car was totaled and my insurance company sent me a check for the loss.  Since I don’t need to worry about finding another set of wheels and the amount they gave me was actually slightly more than I would have accepted when selling the car, everything worked out just fine for me.

But the accident did serve as a reminder that disasters can happen at any time, and usually they come without warning.  It pays to have a good idea of what to do if something unexpected happens.

For example, if a tree falls onto my house I know my homeowner’s insurance will take care of it.  But if it happened while we were in the house how would we handle the emergency?  A family disaster plan would come in handy…complete with instructions on how to get to safety, where to meet up once outside of the house, where we would go, what we would do with the pets, etc.

With an emergency plan in place, we could even go through practice drills to make sure everyone would know what to do without panicking.

Do you have any kind of family disaster plan?  How often do you practice it?

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{ 3 comments… read them below or add one }

Jenna, Adaptu Community Manager

We had one when I was younger and living at home. But right now, my roommate and I just text each other to check in once and awhile.

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Evan

The Wife has been bugging me to put together a book for all our online passwords and accounts since she really isn’t involved when it comes to that stuff…is that what you mean?

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Mike

That would be part of it. I’m actually going to create a file like that and save it on a thumb drive for safe keeping.

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