Hospital, Scams, Insurance and Transportation: Insurance is a racket

Insurance is a racket

By Chriso - 17/11/2009 11:48 - Australia

Today, I was finally discharged from hospital after being in there for one month, I arrive home to find a letter from a debt collection agency for my unpaid car insurance premium, and another letter from my car insurer to say that they aren't covering my accident due to non payment of premium. FML

I agree, your life sucks 30 340

You deserved it 3 937

Hospital Scams Insurance Transportation

Mama's boy

Money, well, get back, I'm alright Jack…

Teamwork works

By num1piglover - 16/11/2016 22:55 - United States - Raritan

Today, my dad told my mom to only drop off my sister for Thanksgiving and not me. Guess I was wrong about him wanting to work on our relationship. FML

I agree, your life sucks 9 650

You deserved it 714

By dgilbs - 12/11/2012 22:08 - United States - Grosse Pointe

Today, my friends and I went out to dinner. Being short on cash, I suggested a game where we put our phones in the center of the table and first to check their phone had to pay the bill. Our conversation died out, and fearful of having an awkward silence, I checked my phone. FML

I agree, your life sucks 7 404

You deserved it 55 127

By chelserusera - 14/05/2009 01:45 - United States

Today, my 3-year-old said, "Mommy, I can share my teddy grahams with you." I said, "Thanks, honey, you're so sweet." And I ate a few. When I popped the last one in my mouth, I said, "Oh no, all gone!" She said, "That's okay, I have more." Then pulled the next handful out of her underwear. FML

I agree, your life sucks 64 281

You deserved it 7 584

The System

By Anonymous - 27/06/2021 00:01

Today, I found out I can’t get in-state tuition at my college, all because I’m under 24 and considered a "dependent" student; therefore my parents must prove state residency on my behalf. I lost both my parents to COVID last year. FML

I agree, your life sucks 1 378

You deserved it 67

By ouch - 16/04/2013 16:17 - United States - Nashville

Today, for the fifth time since my parents got divorced, my father has decided he doesn't want to pick me up for his weekend because I'm "too responsible to have fun with." FML

I agree, your life sucks 45 145

You deserved it 6 075

By loserface - 23/02/2009 22:50 - United States

Today, I was interviewing a cute guy for my journalism class, and he asked to borrow my laptop to check his email quickly. After the interview, I realized that the last thing I had searched for on my browser's Google box was "ingrown pubic hairs," and it was still up there. FML

I agree, your life sucks 20 227

You deserved it 36 588

By wetandhungry - 06/10/2016 13:11 - United States - Houston

Today, I came home to find water dripping from the ceiling in my apartment laundry room/pantry. All of my groceries were ruined. Maintenance's suggestion? "Put a bucket under it." FML

I agree, your life sucks 9 658

You deserved it 701

I Want the One I Can't Have

By Anonymous - 18/12/2020 13:59

Today, I found out that the very attractive guy who lives in the house behind mine is working from home. I know this because he waved after catching my performance of singing along to a Smiths song into my hairbrush in front of the mirror, dancing around like a five-year-old. FML

I agree, your life sucks 748

You deserved it 294

By just me - 13/05/2012 18:54 - Germany - Overath

Today, I argued heavily with my dad over being dragged to a family game of lacrosse. All through the game, he kept "accidentally" hurling the ball straight at me on the sideline. After he eventually nailed me straight in the heart, he screamed at me to "get out of the fucking way". FML

I agree, your life sucks 26 115

You deserved it 3 462

By Shadowfigure23 - 10/07/2009 22:28 - United States

Today, I spent most of my morning comforting the guy I love because his fiancée dumped him for some other guy. He continuously told me I had no clue that kind of pain he was in. He dumped me three years ago for the girl that just left him. FML

I agree, your life sucks 63 422

You deserved it 9 784

Thanks, I hate it!

By poorkids - This FML is from back in 2012 but it's good stuff - United States - Auburn

Today, my daughter called me telling me she had her twin girls. She named them Juli and Anne. Her name is Julianne. Her kids are going to fucking hate her. FML

I agree, your life sucks 38 324

You deserved it 4 128

By Anonymous - 17/12/2013 17:20 - Canada - Edmonton

Today, I came home after a long day at work, and decided to tidy up a bit before finally settling down to relax. I went to take the garbage out, when the bag split and out fell the trash along with hundreds of tiny red ants. FML

I agree, your life sucks 41 072

You deserved it 3 273

By Rusty - 03/07/2015 19:02 - United States - New City

Today, I found out that my parents secretly throw away any food I cook for them, because they think I might try to poison them. FML

I agree, your life sucks 27 970

You deserved it 2 650

Kitchen nightmares

By Clumsy - 24/08/2021 11:01 - Brazil - Niterói

Today, I accepted I can't cook at all. Why? I burned myself cooking popcorn in a microwave oven. I accidentally burst the package open and a scorching kernel flew into my bra. FML

I agree, your life sucks 658

You deserved it 162

By Anonymous - 25/02/2015 10:33 - Australia - Maddington

Today, I got pulled over for speaking on my phone. I accepted the fine because I was too ashamed to tell the cute officer that I was actually trying to pop a huge pimple on my cheek. FML

I agree, your life sucks 27 173

You deserved it 13 192

By Fire sucks. - 17/01/2014 03:42 - United States

Today, there was a forest fire in my town. I was still forced to go to school, as it was safer. A lot of people decided not to go, and we ended up doing nothing but watching the news reports. There, I got to see my house burning on live TV. FML

I agree, your life sucks 74 453

You deserved it 4 635

By Adoptee - 22/05/2011 23:09 - United Kingdom

Today, after eighteen years of living with my adoptive parents, I met my biological mum for the first time. She's a forty year old, 300lb American woman who wears 'Twilight' t-shirts and will be spending the rest of her visit to the UK trying to find Robert Pattinson. She says I remind her of herself. FML

I agree, your life sucks 56 555

You deserved it 4 339

By Lola - 23/07/2012 04:31

Today, my boyfriend bought us three kittens. Today, I also discovered that I am allergic to cats. My boyfriend broke up with me because he wanted the cats more than me. FML

I agree, your life sucks 32 727

You deserved it 4 325

Sneaky moggie

By wouldn'tyouliketoknow - 12/10/2019 02:00

Today, my neighbours were screaming for their "lost" cat again. I've already seen the cat multiple times. In my garden. Pissing. FML

I agree, your life sucks 1 491

You deserved it 119

Stealth attack

By Anonymous - 11/12/2020 16:58 - Germany - Ebersbach

Today, I was cooking when I got jumped from behind by my friend's cat, who thought my back would make a great lookout perch. Yesterday he tried to sharpen his claws on me. Last time I looked in the mirror I didn't look like a tree trunk, but maybe I need glasses. FML

I agree, your life sucks 690

You deserved it 147

Looking for a job?

By Anonymous - 21/06/2021 19:31 - India - Bangalore

Today, the guy we'd offered to hire, who had a 2-month notice period, emailed to say he couldn't come after all, because his employer offered to retain him. In this two-month timeframe, we didn't interview anybody else and now we're in deep shit. FML

I agree, your life sucks 729

You deserved it 430

By Anonymous - 04/12/2011 23:52 - United States

Today, I heard vibrating from inside my husband's desk drawer. Since he's away for the weekend, I investigated. I found an unfamiliar cellphone with an inbound call. I answered it. Turns out, it was his mistress. Neither of us can get a hold of him. FML

I agree, your life sucks 50 030

You deserved it 3 418

By sos - 17/01/2011 03:59 - United States

Today, I found out that I can't pass a field sobriety test while sober. FML

I agree, your life sucks 27 200

You deserved it 4 706

By no - 20/03/2014 22:18 - United Kingdom - London

Today, for the third time this week, a random person in the street walked up to me and told me how much I look like Grumpy Cat. FML

I agree, your life sucks 39 772

You deserved it 5 451

By toiletgirl - 14/12/2009 23:26 - United States

Today, I was on AIM talking to a really cute guy, whom I've had a crush on for forever, when he asked me to video chat. I got so excited and immediately pressed accept, without thinking. Not until he started screaming and cursing did I realize that I was still using my laptop on the toilet. FML

I agree, your life sucks 10 926

You deserved it 63 700

By Anonymous - 31/01/2012 05:16 - United States

Today, my little brother went through all the artistic anatomy reference books and colored in all the nipples and penises with a bright pink sharpie. These books were from the library. FML

I agree, your life sucks 26 661

You deserved it 3 022

By zain - 04/06/2011 06:15 - United States

Today, at my job as a lifeguard, the kids in the pool decided to start a new game. The game involved spreading out to different parts of the pool and pretending to be drowning at the same time. Whoever was "saved" first, won. FML

I agree, your life sucks 49 837

You deserved it 3 675

By I'veRunOuttaPatience - 31/08/2018 03:30

Today, I got scolded for how I treated my aunt and uncle's dogs while pet sitting. I was told it was my fault they had explosive diarrhea for "locking" them in the room they'd told me to put them in at night and doing everything they said when I reported they were sick. FML

I agree, your life sucks 2 893

You deserved it 201

Meet the family

By OhMeGerd - 05/10/2012 14:56 - United States - Scottsdale

Today, I was invited to my boyfriend's house for dinner for the first time. His mom made a fantastic dinner, so I showed my appreciation by eating the lot. Apparently I was overdoing it because when I looked up everyone was staring. His dad muttered, "Slow the hell down." FML

I agree, your life sucks 15 439

You deserved it 28 915

By O__o - 09/12/2011 06:43 - United States

Today, I got stuck driving behind a rather large motorcyclist on a one way road for 30 miles. For those 30 miles, I had a full view of his back fat rolls and butt crack. FML

I agree, your life sucks 27 622

You deserved it 3 738

Social anxiety sucks

By m…… - 09/04/2021 21:30

Today, it’s the third anniversary of me not being able to finish a single sentence when speaking in person. FML

I agree, your life sucks 731

You deserved it 110

Miss me yet?

By Anonymous - 26/07/2020 08:01

Today, after I kicked my boyfriend out, thinking the sudden separation would make him value our relationship more, I heard he's spent the last 3 weeks at his brother's constantly playing Xbox, hasn’t called me once, and now I’m hearing rumours he’s been taking other women home from sleazy bars. FML

I agree, your life sucks 614

You deserved it 2 788

By Anonymous - 03/04/2012 14:16 - Australia - Sandringham

Today, I realised that I only get dandruff when I'm stressed about having dandruff. Which is whenever I have dandruff. FML

I agree, your life sucks 23 135

You deserved it 4 231

By mottephobe - 06/11/2015 06:19 - United States - Carlsbad

Today, after days of cleaning out pantry cabinets and throwing away infested food, I thought I had finally gotten rid of my moth problem. Then I vacuumed, and saw several dozen larvae coming out of my carpet. FML

I agree, your life sucks 24 245

You deserved it 3 098

By Scapegoat - 17/11/2018 13:30

Today, I found out that while I was at college, my brother downloaded three terabytes of porn on my laptop and blamed it on me. My parents believed him. FML

I agree, your life sucks 3 328

You deserved it 278

DIY decoration tips

By CoyoteOldOne - 12/09/2020 08:59 - United States - Denver

Today, I got an empty peanut butter jar to put my used insulin needles in so nobody gets stuck. My husband washed it for me. He also wrote all over it: "F*** off! Sharps! Do not f***ing touch! Go away! Do not f***ing throw away!" Thanks, sweetie. Now it looks like a crazy guy shouting on the subway. FML

I agree, your life sucks 1 059

You deserved it 266

By scalmon - 13/05/2011 17:08 - United States

Today, while making love to my wife, I let slip her sister's name. I don't think it would calm her down much if I told the truth: I was actually thinking of an ex girlfriend who shares the same name. FML

I agree, your life sucks 13 336

You deserved it 67 307

By RatFailure - 11/01/2012 05:23 - United States

Today, I looked into my sink's garbage disposal for the first time since I moved in two months ago. Apparently, the putrid smell was not the food I've been throwing down it, but instead, a now what appears to be mutilated litter of rats. FML

I agree, your life sucks 32 433

You deserved it 3 729

By Anonymous - 06/12/2012 02:32 - United States

Today, my daughter called me to pick her up at the mall. She said I had to meet her inside a specific store, so I figured she wanted me to pay for something. Turns out I was right, she was being arrested for shoplifting. FML

I agree, your life sucks 28 608

You deserved it 2 759

Driving me up the wall

By Rose - 17/05/2021 06:01 - Australia - Castle Hill

Today, I was a month away from being seizure-free long enough to be able to get my licence when I experienced one. FML

I agree, your life sucks 956

You deserved it 73

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Top comments

Jewelofagal 2

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Tuesday 17 November 2009 16:11

This means you were behind in paying your car insurance BEFORE the accident even happened. Expensive mistake.

perdix 29

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Tuesday 17 November 2009 16:53

Don't expect any sympathy from us Americans. You are screwed just out the cost of a car. Had your accident occurred here, you would have racked up about $500,000 in medical bills and your private health insurance (our only option) would have been cancelled. And you'd be screwed out of the cost of a car, too.

arsefuckingwater 0

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Tuesday 17 November 2009 16:06

The debt collection agency are lovely people :) first

MagicMeds 0

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Tuesday 17 November 2009 22:12

Lol whoever denies the most people coverage gets a bonus at my dad's work. :) lovely people indeed

Reyo 2

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Wednesday 18 November 2009 0:34

AFLAC!!!

Jewelofagal 2

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Tuesday 17 November 2009 16:11

This means you were behind in paying your car insurance BEFORE the accident even happened. Expensive mistake.

zdriver76 0

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Tuesday 17 November 2009 20:20

actually if he was in the hospital for a month and the bill came with a payment date for the same month then the 1st day it was late his insurance was cancelled, you cant be "behind" on insurance payment, they cancell ur shit. but since he was still concious all he had to do was have a friend or relative send in a check for him.

Jewelofagal 2

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Tuesday 17 November 2009 21:57

What insurer doesn't (minimally) have a net 30 day payment term? Payments aren't due immediately after the policy invoice is generated. If the OP was insured on the day of the accident, the insurer wouldn't deny the claim for non-payment of policy.

TurboTalon 0

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Tuesday 19 April 2011 21:23

It also wouldn't have been at a debt collection agency.

TheKitsune 0

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Tuesday 17 November 2009 16:12

Unless you were in a coma and unable to communicate or otherwise pay your bills... you deserve it. If your conscious you can know about these things and I speak from experience. If you were not conscious you can fight it.

Jewelofagal 2

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Tuesday 17 November 2009 16:21

There's no fighting it. She let the policy lapse before the accident She was driving without insurance coverage at the time of the accident.

lolwatlol 0

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Tuesday 17 November 2009 16:19

So, did you learn the lesson?

604 11

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Tuesday 17 November 2009 16:20

BRUTAL! Next time, opt for the automatic payment option (direct from your bank account or charged to a credit card).

TheDaveCA 1

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Tuesday 17 November 2009 16:33

1) your payment wouldn't be at a collection agency after a single payment, and 2) if your account was in good standing at the time of the accident you'd be covered even if it went into arrears after the fact. YDI for being a deadbeat who doesn't pay their insurance.

captaincanoe 0

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Tuesday 17 November 2009 18:38

My thoughts exactly. It wouldn't go to collections only after one month, so YDI for not keeping up with the payments

perdix 29

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Tuesday 17 November 2009 16:53

myfriend_youfail 3

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Tuesday 17 November 2009 17:10

Pretty much what I was going to say. You're not gonna get sympathy from us, because at least your hospital stay won't require you to live off of ramen and instant tea mix for the next few years. Though if your insurance lapsed WHILE you were hospitalized, you could certainly fight it. But my guess is that you let it lapse before you were hospitalized. YDI for not paying your bills. This is what happens when we don't pay for things, you see? They get taken away from us.

avoidthegirl 6

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Tuesday 17 November 2009 19:10

#10 your reply made me think of "THIS IS WHY WE CAN'T HAVE NICE THINGS!"

Geometric 18

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Sunday 25 November 2012 2:34

Yeah, that would be one the moments where i"m glad I'm not American. Jesus, you guys would be screwed.

FromCFL 0

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Tuesday 17 November 2009 16:54

YDI for not paying your bills & then coming on here to whine about it.

PhillyFox 0

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Tuesday 17 November 2009 18:53

Sorry but you should pay your bills next time. Even so, unless you were in a coma you should be having a friend of family member going over to your house to collect mail for you. You totally deserve this.

patticake1601 0

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Tuesday 17 November 2009 18:54

and you want want sympathy from people here? you're an idiot. you insurance ran out before the accident and for it to go to collection means you were overdue more than one payment. You think everyone on here is as stupid as you and will believe your BS story?