Worse than this is when you make a little mistake that anyone could make, but it puts you in the hands of a shithouse driver who couldn't deal with an emergency situation if his useless, pathetic life depended on it, making the ensuing collision your fault, legally speaking. Back in August, on one of those annoying nights when it rains just enough to be slippery as fuck, I was driving our poor old Datsun, with Bec in the front passenger seat (the left seat - this is Australia, remember). We were turning right across traffic that had stopped for a railway crossing with the gates down, lights flashing, and bells ringing... wait on, I'll draw a picture...

I figured there would be nobody coming because the boomgates were down at the railway crossing, but I looked anyway, and Bec looked too, saying, "It's clear, you can go." So off I went. I never actually saw this guy until after he had hit us, but he said he came out of the side-street. The thing is, if he had been paying attention, he would have been able to see us for at least five seconds before the impact. We were almost straight when he hit us, and we only heard brakes for a fraction of a second before the impact. Bec says she didn't hear brakes at all.
Basically, I was the driver, and I made an error, which makes me legally responsible for the impact. However, if this guy even vaguely resembled a competent driver, out mistake would not have mattered, and there would not have been an accident.
We had to pay $2000 for the repairs to his car, and ours was written-off. We had to get a personal loan to buy a new one. The new one is insured.
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