Money, Transportation and Cars: Insurance is a scam

Insurance is a scam

By leogs23 - 27/02/2021 16:58

Today, my fiancée wrecked my car so I had to use my other car to pick her up. Ten minutes after I did, my other car broke down in the middle of the road and I had to get it towed. My insurance covers none of these incidents. FML

I agree, your life sucks 862

You deserved it 212

Labour Day: Rest or Disaster?
Find out how a day off can turn into a series of hilarious, unexpected events. More…

Previous FML Next FML

Same thing different taste

By someone - 09/12/2013 12:59 - United States - Mogadore

Today, my car broke down. I pulled to the side of the road to call a tow truck. After waiting what seemed like hours, the tow truck showed up, and then ran into the back of my car. FML

I agree, your life sucks 47 135

You deserved it 2 862

By MERRY FUCKMYARSEMASS - 26/12/2013 20:39 - United Kingdom

Today, my car broke down on the highway, and I had to call for a tow truck. It finally showed up, only to break down too less than a mile later. Cue nearly freezing to death while we waited for help to arrive for the both of us. FML

I agree, your life sucks 38 050

You deserved it 2 781

By stuck - 23/03/2015 15:51 - United States - Bridgeview

Today, my boyfriend wrecked our car. Now I can't get to work in order to make the money we need to buy a new one. FML

I agree, your life sucks 32 590

You deserved it 4 661

By broken down and flat broke - 17/04/2016 14:41 - United States - Alexandria

Today, I had the lovely experience of witnessing a tow truck cause a couple thousand dollars' worth of damage to my broken-down car. FML

I agree, your life sucks 20 813

You deserved it 1 345

Thanks a lot!

By dk14 - 24/01/2017 10:00

Today, my girlfriend's dad let me borrow his car for transportation to work because mine got totaled. This car is a complete dump and I've realized he's only letting me use it so it's my fault to fix the broken things on the car. So far, I've had to replace the battery and two popped tires. FML

I agree, your life sucks 6 031

You deserved it 661

Slippery

By Estranged Fiance - 26/12/2016 05:49 - United States

Today, my fiancé got impatient and passed a lady doing 15 mph under the speed limit. The lady was driving slowly in case the black ice in the other lane was in both. We spun out and drove right into a guard rail. I'd just filled the tank, so now I'm down $40 and need to pay for a rental too. FML

I agree, your life sucks 7 802

You deserved it 3 285

Driving is expensive

By Bladerunner - 01/12/2011 09:49 - United States

Today, my car was towed. After taking a cab all the way to the lot for $45 and paying the $250 fee to get my car back, my car broke down in the impound lot and needed to be towed to the nearest shop, where it took another $200 to fix, and $50 for the towing. I still have a 3-hour drive home. FML

I agree, your life sucks 34 210

You deserved it 3 532

Outlaw

By thanksdad - 03/07/2012 01:20 - United States - Beaverton

Today, my dad was helping my fiancé and me move. On the way, someone sideswiped the trailer. When the police came, we found my dad had a suspended license, no insurance, and a broken tail light. No one else could drive a manual, so we were stuck in a parking lot for 3 hours. Thanks, dad. FML

I agree, your life sucks 21 922

You deserved it 5 693

Car brain

By Anonymous - 05/12/2021 05:00

Today, I got woken up by my parents telling me I had to go buy a car so they could have transportation. Neither of their cars work, so I was letting them use mine, and then they wrecked it. It needs nearly a thousand bucks in repairs to be drivable again, but since it was my car, I have to replace it now to appease them. FML

I agree, your life sucks 1 534

You deserved it 186

Bad omen

By KaRaBeAr24 - 16/03/2022 23:00 - United States

Today, I got hit and totaled my new car, on my way to get married, with my fiancé and kids in the car. FML

I agree, your life sucks 1 147

You deserved it 110

OrySoma 11

Sunday 28 February 2021 15:01

its more than likely because they don't carry full coverage on thier vehicle and if you don't have that insurance wont pay if you're at fault I learned that the hard way too

RichardPencil 30

Saturday 27 February 2021 17:46

All the people with zero cars are sending you "thoughts and prayers."

Comments

RichardPencil 30

Saturday 27 February 2021 17:46

All the people with zero cars are sending you "thoughts and prayers."

Seeya55 31

Sunday 28 February 2021 13:58

Normally I'd agree, but one person's struggles in life isn't outweighed by another's. The fact that OPs other car broke down half shows these vehicles could both possibly be extremely old. And the fact that the collision isn't taken care of could be they can't afford anything above basic coverage. Everyone has different struggles. OP and fiance could have shit health, whereas the person with no car could be very healthy. Not everything is black and white.

DarkAngelsBlade 25

Saturday 27 February 2021 20:06

If the accident your partner had wasn't covered even if you were driving, that sucks, but if it was because they were driving, welllll still sucks but more avoidable. Also i guess you didn't do any upkeep on the second car?

OrySoma 11

Sunday 28 February 2021 15:01

its more than likely because they don't carry full coverage on thier vehicle and if you don't have that insurance wont pay if you're at fault I learned that the hard way too

Seeya55 31

Sunday 28 February 2021 13:48

A majority of insurances don't have car break-down coverages. That's like extra, bonus, cherry on top coverages. The car being totaled, it should and usually is covered by your insurance under your collision coverage whether it was you or your fiancé. As long as he/she has a license, and you have the proper collision coverage, you're fine. If there's some shit loophole, your insurance company are buttholes. If you have bare bones insurance just to be able to drive, then that was your choice to pick and not be completely covered in an accident.