I was driving back to college so I could go to work the next afternoon. I went to switch lanes so I could change highways and hit a patch of ice between the lanes. I spun out, hit the guardrail and bounced off, and then, the part that's the real bitch...
There was a family in their car on the side of the road because they'd run out of gas. I spun into the back end of their car.
The good news is that nobody was hurt, and that my insurance is going to cover their car. Not sure if it'll cover mine - it's ten years old, and even though the damage looked relatively minor to me they might just try to junk it - but we'll see about that.
The part that I'm pissed off about is that I got a ticket for "reckless driving," which seems absurd given the circumstances - it was night, I wasn't speeding, and there were a TON of crashes in other spots and on other highways in the area, judging from the radio. My grandfather worked in insurance for 40+ years and says that I should be able to get it down to some kind of conditional speeding ticket (too fast for the conditions, even though I was only managing to keep up with the flow of traffic), but he also says I'll probably need an attorney...which I really, REALLY can't afford. A few of my other relatives are saying that I don't need one, though, and I do have a former uncle who's a lawyer so I guess there's still some hope there.