Today, I stopped at a red light. I noticed the car in front of me had their reverse lights on. I thought to myself, "Meh, that person must know. They wouldn't do that." The light turned green. Turns out they didn't. Nor did they have insurance. FML

Moron

Today, some genius shot through a red light, hitting my car and nearly killing me. When I went to ask if he was okay, the first words out of his mouth were, "I hope you have insurance". FML

Today, I got rear ended. The guy flashed his lights at me to pull over, so I pulled into the side of the road. He drove away. FML

Today, I decided to be a good driver and not run through the yellow light. As soon as I stopped my car another came and rear-ended me. The guy told me to go in the parking lot so we can exchange information. So I drove into the parking lot, I turned my head and watched him drive away. FML

Today, I got rear-ended at a stop sign on a seldom used road in my neighborhood. As I open my car door to trade insurance information with the guy, he backs up a little and speeds away, taking my car door with him. FML

Today, I got into a car accident. The guy wouldn't give me his information, but instead stood there saying, "Like a good neighbor, Statefarm is there." FML

Today, while at a stop light, I was rear-ended by a car behind me. The guy got angry at me, because according to him, I should've known that his car has poor braking distance, and so I should've moved forward a few more feet to compensate. FML

Noooooooo!

Today, I stopped at a red light, when I noticed the car in front of me was in reverse. I honked at the driver, hoping he'd realize and place the car in drive. He thought the light turned green and immediately backed into me. FML

Today, I went to my insurance company to deal with some paperwork. One of their employees backed into my car before I made it into the building. FML

Today, I was driving to work and stopped at a stop light. A full 2 or 3 seconds passed, followed by a car rear-ending me. The idiot driving it got out and gave me hell, calling me a maniac because I braked "too quickly" and didn't give him a chance to react. FML