Today, I received an email from my insurance company about a claim that happened over a month ago when I hit someone from behind. I was very apologetic and stated it was my fault, and now they're trying to claim replacement vehicle costs. I was going under 10mph and their car only had a scratch. FML
Collection
Halloween
A failed costume, stolen candy and a very real scare: Halloween, the one night when fear is allowed.
Today, for the 2nd time in a month, I've been rear-ended at a stop light. One insurance company refuses to pay because of prior damage from the 1st accident, and the other won't pay because of new damage not caused by their client. I just want my car back. 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, after 2 years of paying off the insurance fees after an accident, I got rear-ended. It was the same driver who crashed into me the first time. FML
Today, I got into an accident and my bike broke. My insurance expired 5 days ago and the accident wasn't even my fault. The lady was on the phone and on the wrong side of the road. She's threatening to sue me even though her car is in better condition. There are no witnesses and no cameras either. FML
Today, I found out that my insurance canceled my contract, claiming I hadn't paid, even though I had. I only discovered this because I backed into a car. 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 went to get insurance and I have a non-fault third party claim and yet my insurance has gone up. I wasn't even in the car when someone hit it. Why have I got penalised? They claim I'm now "statistically more likely to get in an accident." My car was parked. FML
Today, my sister got her car insurance quote in the mail. You would think it would go way up after being charged with reckless driving. It went up $1 per month. My insurance went up $100 per month after I tapped someone's bumper a year ago. I wasn't even charged. FML
Today, while driving to work, some asshole stopped sharply on the 60 mph highway because he almost hit the car in front of him. Even with maintaining my distance, and slamming on the brakes, I still ruined the front end of my car on his dented bumper. I haven't even had the car for a year, and I'm still the one at fault. FML
Today, my mom's boss reversed into my parked car. She expects me to say that it's my fault so she doesn't have her insurance increase. 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
ohsnapword 21
This is what insurance is for. Let them fight it out.
Inkoseh 33
If their car was totaled, there should be a police report. Claiming for a car accident a month down the line is something your insurance company needs to deal with, as insurance companies need to be called right away. Prove you were somewhere else during the time they stated their car was 'totaled' as they do need to give a date and time. If they state the original date of the accident, your insurance company needs to again, deal with it as it was not reported in a timely manner.
Add a comment · Reply to
You must be logged in to be able to post comments!
Comments (16)
RichardPencil 32
Comment moderated for rule-breaking.
You can't expect your victims to drive around in a scratched-up car, Leadfoot!
Alex Neiva 17
this joke sucks
ohsnapword 21
This is what insurance is for. Let them fight it out.
MrCT 22
Never admit fault.... dumb ass
jbuckets_404 39
First half of comment: good advice; second half: not so good (not everyone's as smart as you. :-)
Inkoseh 33
Some states, even if it isn't your fault, if you're behind the vehicle and they back up into you, the one behind still gets blamed. Get dash cams people! It's probably the only way to exonerate yourself. No shame either in calling the police after an accident. The police report protects your butt from even fender benders.
ARISKomuniszt 24
So, purely theoretically, I could go to those states and play 'reversing only' bumper cars?
Inkoseh 33
If their car was totaled, there should be a police report. Claiming for a car accident a month down the line is something your insurance company needs to deal with, as insurance companies need to be called right away. Prove you were somewhere else during the time they stated their car was 'totaled' as they do need to give a date and time. If they state the original date of the accident, your insurance company needs to again, deal with it as it was not reported in a timely manner.
samomaha 17
Give your insurance company any info you can, anything at all. What the other people are doing is called insurance fraud. They will be in a heap o' trouble.
Lobby_Bee 18
Just show your insurance company a photo of your car and it should do. They'll have a hard time explaining how your car managed to totaled theirs with just a scratch on your bumper.
mindy12182 17
this is why you always take pictures of the damage when you exchange information so they can't claim that it's worse than it was
marina1996 5
I mean, modern cars have tons of sensors in every part of the car. i knicked someones back bumper so soft it didnt even dent when i was younger. 800 bucks later they got their bumper replaced. its not unommon, my only advice is to never admit it was your fault. let insurance decide that
ARISKomuniszt 24
But their car was obviously so emotionally damaged....
Lisa Alexandria 10
Don't worry the insurance computer won't allow that.