I’m upset. I’m angry. And honestly, I’m exhausted because last night… I found myself in another accident. Probably I should stop driving, NEVER!
It was supposed to be a simple, normal evening. I had just dropped my 7-year-old off at his Python class and took my 3-year-old to grab a few things from the shop. On our way back, everything seemed calm until it wasn’t.
I got to a roundabout.
The light had just turned green.
I was still stationary, waiting for the flow.
And out of nowhere, this girl comes speeding in and slams straight into the back of my car.
No warning. No slowing down. Probably distracted, playing with her phone, I honestly don’t know. What I do know is that if this were one of those moments where my son had slipped off his seatbelt (which I check constantly), the story could have ended differently.
I’m grateful it didn’t.
But wait, because the story gets worse.
When the Person at Fault Tries to “Advise” You
We exchanged details.
I took photos, videos, everything.
She left.
Then followed me because she forgot to take pictures.
Fine. Do what you need to do.
But then she asks:
So… how do you intend to fix the car?
I said, “I’m calling my insurance in the morning.”
And this girl, who literally hit a stationary car, said: No, don’t call insurance. It will affect mine and yours. Let’s fix it privately.
…ma’am, what?
Do I look gullible? Probably thinks this black girl doesn’t have sense.
After everything I went through with the first accident, where the man went straight to his insurance and said I was at fault, and only my dashcam saved me, do you think I’m about to rely on someone’s word?
Absolutely not.
Especially not when:
* there’s visible body damage,
* the dents are deep,
How will she fix this out of pocket?
No. Thank you. Goodbye.
The Lesson: Please Don’t Ever Agree to “Let’s Fix It Privately
I’m sharing this because too many people fall for it.
You must report an accident within 24–48 hours.
Your insurance cannot protect you from what it doesn’t know.
People will smile, apologise, and still twist the story when they get home.
They will switch up real fast.
And they will use your silence to blame you.
I refuse to be a victim of someone else’s panic or dishonesty.
My children’s safety comes first.
My protection comes first.
Yes, my insurance premiums might increase.
But I’d rather be protected than tricked.
Closing Thoughts
I’m okay.
I’m grateful that my son is safe, I’m safe, and the situation is now properly documented.
If you’re reading this, please protect yourself.
Take pictures. Take videos.
Exchange details.
And always, always report it.
Not Sure what to do after an incident, check a previous post, Car Accident.
I hope your week is much calmer than mine.
With Love,
Ayo ♡
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