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
Collection
Thanksgiving
Questions about your love life, a burnt turkey and the cousin who knows everything: Thanksgiving, a contact sport.
Today, my car was totaled. It was so new, I haven't even made the first payment on it yet. FML
Today, as I was driving to a conference two hours away, a giant piece of ice fell off a truck and did severe damage to my car's hood and busted the front light. The car was a few months old with around 5000 miles on it. FML
Today, after I fell on ice twice hitting my tailbone last week. I'm in excruciating pain but can't get out of work, no internet for over a week so I can't do college work, a guy ran into my car, totaling it. it's 20 years-old so insurance probably won't give me enough to replace. Bad luck comes in threes. FML
Today, my car was rear-ended and totaled. Last year, during the same month, my previous car was rear-ended and totaled. I should just stop driving during the month of February. FML
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
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
Today, I paid $2300 to a mechanic for fixing my car. It's also the day I got into an accident and totalled said car. FML
Today, I lost control of my car on a patch of ice and slid off the road, messing up my car. I was working on a news story about bad road conditions. FML
Today, my car broke down dead in the middle of the highway. As I was unable to get it out of the road, it was impounded, and my insurance won't help. Now I'm further in debt and struggling to get to work. 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
Feel like sharing it with the other FML users?
Thanks, your FML was submitted, and will appear in the moderation queue soon!
Top comments
Puma1990 0
Ummm insurance?
xspaniardx 3
Yeah, insurance should cover it, they should give you money for another car in the amount of what your car was worth before the accident. And if you don't have insurance, YDI.
Add a comment · Reply to
You must be logged in to be able to post comments!
Comments (142)
tundraman07 0
don't you have insurance dumbass?
besta11 0
insurance?? gap?? fail!
EvilDave 13
You deserve it for not having car insurance after having your vehicle for a month.
bongomanacome 0
Seriously, you're a ******* idiot. Please, if possible, just think before you post. Or, if you're going to make shit up, cone up with something better. Your lack of creativity is painful.
TheIrishJaneDoe 9
I really don't understand why regular schmos buy brand-new cars. If you've got money falling out of your ass, OK, but otherise it seems like such a waste. Anyone care to enlighten me with a justification, aside from getting "the latest" model, bells & whistles, etc.?
sirdolittle 0
It's just me, but I like to have new things. Stuff that didn't belong to anyone before I get it. It's nice to be the first owner sometimes !
TheIrishJaneDoe 9
Ah. I suspected as much.
TheIrishJaneDoe 9
Hm, somehow I missed 76 before that last reply. 76: Not trying to pick on you here, but is it really *that* nice? I mean, you're paying sometimes thousands of dollars more for it, only to lose the same amount in value on your drive home from the lot. It's a double loss.
sirdolittle 0
I don't mind, this is what's interesting in a discussion: confronting different points of view. When you have the money, why not buy something that's new ? (but yes, if you're broke, it may be a stupid idea) And don't forget this simple fact -> to be able to buy a used product, someone must have bought it fresh out of the manufactory, in the first place ! Actually, my current car (which is also the first car I own) was already about seven years old when I bought it. So I never had a new car, but that's ok (maybe in a few years). And it still was a good bargain ! Never had any complains. By the way, I'm not speaking only about cars, it works for any product. What about your clothes, phone, music player, TV, books, CDs, ... and so on ? Isn't it nice to get those items brand new ? (even if you can buy used ones, of course)
TheDrifter 24
IJD, I buy brand new cars for the warranty. I put on a lot of kilometers, and the money I have saved having warranty that lasts longer than the payments has been more than worth it. Besides, 15k for a new car, or 8k for a 3 year old one with little or no warranty isn't that big of a difference in monthly payments.
addisonsmom 0
If you financed a car, almost all banks require you have full coverage insurance. I bought my car 4 years old, financed it and still had to pay full coverage. Idk what insurance company you have but state farm usually pays you what its worth if it's totalled when you have full coverage. But if you didn't have insurance, then you're the dumbass who can only be made at yourself for taking that risk.
steflyn 0
the laws in Canada are different. Although you must legally have insurance full coverage is not required.
pip74205 9
If your willing to let your credit take a hit, get a USED car and stop paying on the new car you totaled. The bank will repo your totaled car, and your credit score won't be good for a while, but you'll have wheels. I wouldn't be paying if my car was totaled.
robyn2222 0
Unless you paid cash and own the car outright you had to have insurance to take the car off the lot. File an insurance claim. insurance should be able to get you rolling again.
mom2tayhan 0
that's why they have Gap Insurance.
xstolix 1
Like many of the others gap insurance bro, if they totaled your car you would get what the car is worth and wouldn't have to pay the full amount. You do have to have full coverage driving it off the lot.