Today, a tree fell on our 3-month-old family car. Today, I also learned that my husband never insured it. It's probably scrap, and we still have to pay it off for the next 5 years. FML
Collection
Fall
Dead leaves, the first cold of the season and an umbrella flipped inside out: fall, the season of grace.
Today, the tree that my neighbors have neglected to cut down fell on my car. They claim that by law, they aren't responsible and don't have to pay for it. FML
Today, my husband ran our car into a fence at work. He had to file an insurance claim, with a company we only just got with, and it's going to deplete the rest of our taxes. FML
Today, it was a VERY windy day. A tree blew over and landed on my car, obliterating the windows, and totalling it. I only bought it yesterday. FML
Today, I hit a patch of black ice and totaled my car. The car is a month old. For the next 5 years I'll be paying for a car I can't drive. FML
Today, my husband finally got round to cutting down a tree limb in our front yard after months of me begging him. It fell on me. FML
Today, I totaled my car, because I mistook the leaves blowing across the road for a child. I swerved and hit a tree. The home owner wants to sue for "harming his tree" and hospital wants to test my mental stability. FML
Today, I got home to find my truck smashed by a fallen old tree. I was going to have the tree removed next week. FML
Today, my car was totaled. It was so new, I haven't even made the first payment on it yet. FML
Today, after my car got stolen and flipped on its roof three months ago, making it an insurance write-off, and getting a new car a week ago, a drunk driver crashed into my parked car, writing it off. In both instances the drivers were thankfully OK, it's just my insurance premiums skyrocketing, no biggie. FML
Today, I woke up and found that the tree in my front yard was gone. FML
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Top comments
DanielleinDC 34
Your husband is an idiot.
CurmudgeonCrunch 7
Actually once they find out it’s scrapped they’ll expect payment within 2 weeks usually. Because that’s a secured loan that’s no longer secured.
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Comments (22)
thehaystackerine 20
bull shit, you cant get an auto loan without proof of insurance.
draghkar 18
Homeowners insurance will be the one paying this anyway.
KingAdrock 16
I'll take "Shit that never happened" for $500, Alex. Lenders that give secured loans on property (whether a car, boat, house, plane, whatever) will require insurance on said property. They want "their" property protected. Any bank that doesn't do this is run by morons. But then again even if you somehow *didn't* have insurance AND your lender was too stupid to check on it... then stop paying and hand them the keys!
Charlie Given 28
Ok OP we need a follow-up 😊
sup 3
Hi, OP here. Couldn't remember my password, so had to make a new account! Anyways, to clarify - I live in Canada, and it was a used car. We took out a personal loan, then used it to pay for the car, so we're on the hook for the loan even though the car is gone. Here, we technically are supposed to have insurance before we drive a car off the lot, but I think some used car dealerships don't really bother to check.