Today, thanks to some asswipe drunk driver fleeing the cops the wrong way down a one-way street, I've now had my third wreck this year. My insurance premium's now higher than Bob Marley in a weed factory. FML
Collection
Fall
Dead leaves, the first cold of the season and an umbrella flipped inside out: fall, the season of grace.
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, 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, a drunk driver crashed in through my living room wall. Not only that, but he managed to completely miss the first two houses on the block, which should have been a barrier before mine. FML
Today, I woke up to find the entire driver's side of my car wrecked. Front door, back door, front and rear bumper smashed to shit. A drunk driver had hit it the previous night and ran. Don't worry though, he stopped and left his insurance information. He keyed it into the undamaged side of my car. FML
Today, I finally removed my car insurance after realizing it costs too much money. Since I then had more money, I went to celebrate with ice cream. On the way, I got hit by a truck. FML
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, 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 husband ran our car into a fence at work. He had to file an insurance claim, with a company we only just got with, and it's going to deplete the rest of our taxes. FML
Today, I accidentally rear-ended an undercover police car. FML
Today, I got into a car crash, in my own garage. FML
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Top comments
onlychildFTW 34
This last accident wasn't your fault so you shouldn't have your rates increased because of it. Fight it. I don't know about your other 2 so can't comment on those.
poppunkette 22
How the hell can you have 3 accidents in one year? But yeah cause the guy was drunk it's not your fault they shouldn't raise your insurance.
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Comments (104)
saadifti 11
At least you had some action!
badluckalex 23
nice attitude, but sadly theres no real bright side to this fml.
FBellesLife 15
Hahahaha this FML was so well written
adrian1910 15
Unless he switches to Allstate
vikky538 29
not just one ..its a triple action...
orbit 22
Like a good neighbor Allstate is there!
TheCookieComet 23
You could save 15% in 15 minutes at GEICO
incoherentrmblr 22
Nationwide is on your side...
orbit 22
Dammit I meant Statefarm. I suck...
lpaz 14
He is still alive to tell the story. That's a bright side in my opinion.
Rinat_fml 26
Life is full of surprises, OP. We all struggle sometimes. Even Kim Kardashian.
kerstileann 26
Dont you dare bring that thing up here. She doesnt exist here. This is a happy place.
kipperin 18
Yeah, a place called "**** my life" is surely a happy one.
kerstileann 26
Its a happy place because she isnt plastered all over it.
asherm 15
#14, I wish I could like that statement 100 times
austincain117 16
Sorry to hear that OP. In my state we have no fault so instead of just one persons premium going up, all of ours do
onlychildFTW 34
This last accident wasn't your fault so you shouldn't have your rates increased because of it. Fight it. I don't know about your other 2 so can't comment on those.
tantanpanda 26
You can fight it all you want, but at the end of the day, your insurance will still be raised. Whether it's your fault or not is irrelevant; If the insurance compamy has to pay for damage repairs, they're going to raise your premium. It would be nice if they only raised it when it's your fault, but if they did that, they wouldn't make as much money. by all means, fight.
slyde32 12
I was t boned by an old lady who decided give way signs were optional, due to her being at fault, my premium stayed the same as it always was. My insurance paid me out, and I beleive her insurance then paid my insurance company, I think that's how it works, but my premium never went up.
RyWillieMitch 16
#30 If that was your first accident, then that's why. A lot of insurance companies let the first one slide and don't raise your premium.
hunteredmundson 17
If it's not your fault your insurance does go up, at least not in New York
Lodgik 0
This is such a weird concept to me. Where I live, your premium never goes up when it's not your fault. Why should you be punished if it's not your fault? Of course, in manitoba, the insurance company is province owned.
meggieeeee92 27
I've been in a few accidents, one of them being my fault, and the only time my insurance went up was because it was my fault and they had to pay for the damage to the person's car I hit, as well as pay for the damage to my car. That's why your insurance goes up. If it's not your fault, the person's insurance who hit you will pay for the damage on your car and their premium will go up.
Brandi_Faith 34
I'm pretty sure it works differently depending on where you live & which insurance company you're with. In some places the insurance goes up even it its not your fault and in other places it stays the same. No one is wrong here, it's probably just different for different locations and different companies.
slyde32 12
I live in Australia, and I've never heard of anyone's premium going up when they weren't at fault, even when I insured a new car with a different company, it didn't effect the premium. if my premium went up for a crash that wasn't my fault, I'd tell that company to shove it up their ass and switch company
tantanpanda 26
wow, we're ripped off in texas
Foxfire15 15
Depends on the location. Some states are "no fault" for example, and in that case both drivers make claims against their own insurance. Since your insurance payed out a claim, your rates will likely increase. In this case though, I would suggest trying to fight it.
Shade1982 21
Over here in The Netherlands, your premium is only raised when it's your fault or when there is no opposite party (for example, someone breaks your window, but you don't know who). However, if too many accidents happen in too short a period, they can decide you are accident prone and still raise your premium. It happened to me too. My first one was a break in, broken window had to be replaced. Second one was my wife being rear-ended. Third one was someone else forgetting to give way. Neither were my fault, but they still flagged me as a higher risk factor than normal, raising premium quite a bit.
poppunkette 22
How the hell can you have 3 accidents in one year? But yeah cause the guy was drunk it's not your fault they shouldn't raise your insurance.
Dodge4x4Ram 46
bad luck sweetie
guinea_pigs 9
take it from personal experience, it's definitely possible...
valalvax 13
A girl I've known for 2 and a half years is on her 6th car in that time-frame.. Actually I forgot one, make that 7th
orbit 22
Maybe he works at one of those weed factories and all the wrecks have been on his way home from work.
southerngalslove 15
I was hit in a parking lot, and was not at fault. Two weeks later once my car was repaired, on my 21st birthday, I was hit in ANOTHER parking lot and I wasn't at fault either. Shit happens.
derpMajor 2
That would make you have to be a millionaire.
ihavenolifehaha 16
Sometimes you just can't win
Dodge4x4Ram 46
as I read this I hear the cops in pursuit, small world
poppunkette 22
I've heard cops all day at a shopping mall I also saw Santa get arrested
foxwasalamb 24
some wishes he really shouldn't fulfill
poppunkette 22
Well Santa must have made the naughty list
Neesalun 20
Your insurance won't go up if it's not your fault. You insurance will pay out and go after the driver of the other vehicle.
thinblue32 15
It shouldn't raise its not your fault, unless the other two accidents were your fault..