On christmas eve's morning, it a gourgeous day in Montreal, sunny, brisk... a real pleasant time to drive down to my hometown and gf's hometown and see our respective family.
I only have a temp car driver license at that point, so I need to be with someone with a real license for more than 2 years to drive.
My gf only has her for a year or so, but we still decide I will drive us down. There's no snow or anything, nice and clear, should be smooth sailing.
At the 2nd corner, 2 blocks from my apartment, I neglect to check the lights and they just happen to be red. We get run into by a man in a Dodge Spirit.
So, Im driving a car I cant legally drive, Ive just gotten us in a serious enough accident, and we dont have a car for christmas.
So that was a pretty dumb mistake.
BUT, since things always seem to work out for me:
1. No one was injured (that was my main fear)
2. I had my motorcycle license already at that point. I gave the number to that, and no one noticed I did not have the class 5 required to drive cars. Guy in accident didnt notice, insurance didnt notice
3. My father drove up to Montreal to pick us up, at a moment notice, without even hesitating.... Christmas was saved
(so, cost me 750$ for a part of the repairs, and a bit more in insurance for 5 years after that, but that's it.)