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
Fall
Dead leaves, the first cold of the season and an umbrella flipped inside out: fall, the season of grace.
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
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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.
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Comments (142)
oh_dear_yes_dear 0
Agree with BIGshooter, gap insurance is worth the extra couple of hundred quid, d'oh.
fiaspice_fml 1
In Qubec WE HAVE to have insurence, they don't sell you a car without proof of it. But not everyone take Gap Insurance, it's not mendatory. But it's pretty stupid not to take it went you buy a new car.
mrjude 3
I don't know where you live, but uhm... Usually when you DON'T outright own the car, you HAVE to have full coverage. Were you violating the law?
happysmartg 5
yeah seriously.
dslpwr 0
Buying gap insurance and learning how to drive are two things you should have done before departing.
tommy_b 0
For most of you wondering why purchase a new car over a used car? First of all it is much easier getting a loan on a new car then it is on a used car. And u can usually find lower interest rates. And most new cars these days come with outstanding bumper to bumper warranties.
TheSofaKing 7
This is BullSheet. Not many ,if any, loan companies give loans for new cars and do not require the buyer to get full coverage insurance. Same thing with buying a home, no insurance, no loan. If you drop the insurance coverage, the loan company will provide you with insurance at a much higher rate. The loan company will get the insurance money before you do in order to pay off the loan. If did manage to get a new car loan without insurance, why would you be dumb enough to pay the five years on the loan? You should stop paying on the loan and let the bank or loan company come and repo the totaled car.
Abbyblack_fml 0
Don't you have insurance because if you do and your car gets totalled they pay what its worth to the bank. So you should not be paying for it for five years
TrueColours 9
To everyone saying, why buy a new car if you can't afford to pay for it - paying for something you're using and enjoying is quite different from paying for something that's doing you no good at all. It's like you might spend £5000 on a car but wouldn't drop £5000 down the drain. Sorry, OP.
photo_guy_nc 0
Its called insurance you MORON...you can't finance a car without it!
ccarroll69 0
You're an idiot. You have to have full coverage on a car that has a loan on it. Get a life and get real.