Lisa
United States
Today, I received an overdue bill for my now nonexistent car that caught fire in July. FML
Collection
Halloween
A failed costume, stolen candy and a very real scare: Halloween, the one night when fear is allowed.
Same thing different taste
Anonymous
Hampton, United States
Many such cases
Today, my power company notified me that one of the payments my husband and I sent last week for our overdue bill had bounced. FML
Username
France
Today, I was woken by the news that my car had been found, but was completely destroyed due to a fire. I didn't even know my car was missing. FML
Chriso
Australia
Insurance is a racket
Today, I was finally discharged from hospital after being in there for one month, I arrive home to find a letter from a debt collection agency for my unpaid car insurance premium, and another letter from my car insurer to say that they aren't covering my accident due to non payment of premium. FML
Anonymous
Burning rubber
Today, I bought a car that literally caught fire seconds after I started the engine. The dealership then fobbed me off, saying I'd driven it off their forecourt (by about 3 yards), so it was entirely my problem, but they still expect my monthly payments to be on time. FML
Anonymous
United States
Cancel culture
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
Anonymous
United States
Bad time for insurance denials
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
Hoobfoob
Today, my car was totaled. It was so new, I haven't even made the first payment on it yet. FML
Anonymous
United States
Today, marks the two weeks since my paycheck should have arrived. During these two weeks, my battery has failed, tire has blown, and my phone and water bill have become past due. When I called the guy who's supposed to pay me, he said he has a note about it "somewhere on my desk". FML
Keira McArthur
Today, my car fob died on me when I was going to get donations because my house burnt down two days ago, FML
Anonymous
Brisbane, Australia
Spending spree
Today, I got a pay bonus and spend it on paying for 12 months of car registration up-front for the first time in my life, filled the tank, and got it professionally washed. After all that, I accidentally reversed into my own house, causing major damage. I have to borrow the money for the insurance excess. FML
Top comments
fistnazal 10
just because you don't physically have your car any more doesn't mean your car payments just dissapear
overrandom 4
As I understand it, even if your car gets lost in an inter dimensional portal, and you are making payments, you still have to pay it off. Same goes for mortgage payments.
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Comments (57)
hatepineapple 14
Arson is a federal crime. You totally deserved it.
godlybacon 5
Wait. So you're either saying he set fire to his own car, or he deserves it for someone else setting fire to his car? What the **** are you on?
Amgnowai 0
INSURANCE FRAUD! :D
hatepineapple 14
He deserved it for letting it happen to him. Nothing is more important than the safety of one's car.
MnBran6 0
14 implying that someone can always watch their car and that freak accidents don't occur, as well as (technically) saying that your car is worth more than your well-being. 14 is an idiot.
MnBran6 0
14 implying that someone can always watch their car and that freak accidents don't occur, as well as (technically) saying that your car is worth more than your well-being. 14 is an idiot.
killjimmy 0
God Dammit! Why'd you buy a life sized Hotwheel? Everyone knows they are prone to fire.
TheRealFamilyGuy 5
shoulda taken the unexplained fire and damages cover on your insurance
jazmixer 0
fyl for still having to pay you debts just because something tragic happens. YDI for not having better insurance coverage to pay off the car.
fakeaccountX 6
YDI for having a car in the first place jk
kurato 6
OP, don't worry about it. Just forward it to your imaginary friend, the nonexistence car belong to him *whisper: he forgot to tell them he change address to get away from you*.
firecopy 6
33 insurance can't cover something that doesnt exist.
firecopy 6
nevermind didnt see the now.
sirhobothesecond 3
godlybacon- he's obviously trolling. get a sense of humor.
dragonrider1959 18
Honestly man, have you taken those kinds if measures.
afghan_angel 0
lol
fistnazal 10
just because you don't physically have your car any more doesn't mean your car payments just dissapear
randiZ25 0
very true.
didoca 0
I agree with hit me - uh duh!
capilot 10
Came here to say this. That's what insurance is for, to pay off your debts on the car if something like this happens. You can't just take your insurance payment for a weekend in Las Vegas and blow off your debts.
overrandom 4
As I understand it, even if your car gets lost in an inter dimensional portal, and you are making payments, you still have to pay it off. Same goes for mortgage payments.
Draminicaus 0
but if it's destroyed, your insurance should cover the cost of the debt.
pooper19 3
me and the late Evil Kenevil use to drive around burning cars all the time what's the problem
JUST_STFU_N_GTFO 0
Just call the office/whatever and explain your situation, no big deal! ..... Unless you burn it and are guilty of murder!!!!
starberries 0
What is the office/whatever supposed to do? It's not their fault the car was burnt; they still deserve their money.
JUST_STFU_N_GTFO 0
You work for an insurance company, so that is why you think that way. Admit it!
TwoZeroOZ 2
Is something wrong with you? A car loan is a loan. Doesn't matter what you used the loan for or what happened to it, you still have to pay the loan back. OP deserves it for cheaping out on insurance.
lovelyliz916 5
That's not true, my moms truck got stolen earlier this year and the insurance company and dealer made arrangements and paid it off completely.
TwoZeroOZ 2
Obviously your moms insurance covered theft then (the dealership doesn't just "make an agreement" to pay anything). OP obviously didn't have insurance that covered fire. Simple.
vOmegav 0
that's why we have a thing called insurance.
RedPillSucks 33
The insurance company might pay a replacement cost, assuming the car was fully insured. Sometimes what the insurance company pays is not enough to cover what you still owe on the car. You bought the car so you really do have to pay. It doesn't matter if the car no longer functions.
FYLDeep 26
Sooooooooo, why were you late on the payment?