Oh yeah....
Decided to drive down from NH one December; in order to both avoid the planeload of sneezing germ-carrieers, and to have our own wheels instead of using Disney Transport. No big deal.
Night 1 we stayed at our usual stopping point: nice place, decent dinner, good breakfast, on our way around 8am. Along about 6pm-ish, we decided it was time to look for a place to stay
{NEVER AGAIN Without a
Confirmed Reservation 
}
Well, the first 4 places we tried were full, the next one I wouldn't rent for my worst enemy - so we decided to get back on 95 and drive along to the next exit. Got off the highway again, found only 2 more booked-up hotels -- and then we got lost...
So now it's fully dark, we're deep into a downtown business / industrial district, where they roll up the sidewalks at sunset, we have a vague sense where the highway ought to be, but no idea how to get back there in a maze of one-way streets and roads that kept veering away from where we wanted to be.
Finallly - a roadsign. Mind you, it's now after 9 pm, we are lost, hungry, and on the edge of a snarl-fest. 'Rt 95, next right' -- we waited for the light to change, checked the traffic carefully - nothing in sight behind us - and made a careful right turn.
WHAM! Some (expletively anatomically challenged) guy driving his girlfriend's pink jeep slammed right into us.
According to the skidmarks, I'd guess he was going about 60, in the middle of downtown. The first officer that stopped was off duty, and had to call it in - otherwise, we might have done better. The other driver made it a point to always stay as far away from the police as possible, leading us to believe he'd started the weekend partying a few days early. By the time an actual patrol car arrived, he'd downed half a box of tic-tacs.
So - released, with a ticket for an 'improper turn' ( Seems the center lane, on a practically deserted street is
not the place for a lost Yankee to make a right turn from ) , a stove in door and the passenger side full of shattered glass, we limped into a 24hr
WalMart, where DH bought plastic sheeting and duct tape. Then we found a motel that wasn't 2 stars below a 0 and hoped it didn't rain.
Headed to WDW the next morning - we weren't going to let THIS stop us.
When we got there, we called our insurance agent, and she cheerfully informed us that we could either have the car fixed in NH, or back in SC, where the accident happened.
After some colourfully expressed unhappiness, she grudgingly admitted that if it was unsafe to drive, we
probably could have it fixed in Florida - but only minimal repairs. Since the passenger door was roped shut, she allowed as how it was unsafe. So, off to the repair center my baby went, and we were left stranded at CBR
We finally got it back 5 days later, just in time to let us drive to our dinner at V&A. We're dressed to the 9s, standing in the Florida December afternoon sun, waiting, waiting.... They'd called over an hour before, to let us know the car was on the way back. Just as I thought DH was going to have heat stroke, I spotted it. Red car, silver door, blue fender....
When we finally got home, it still needed to be repainted, so I drove it up to the drive-in claim service office, where we showed the nice man the 'before' pictures - after all, we
were on vacation, and what's a vacation without a camera

He was
dee-lighted to have photo confirmation of the accident damage, but seemed a bit confused. He wanted to know why we hadn't had it painted in Florida, and I cheerfully informed him "...because our agent said we couldn't..." He pretty much told us she was full of used-food, and that of course we could have had the repairs done completely.
We don't have that agent - or insurance company anymore.
BTW - the Trip Report for that one (different venue) was called '10 Yards to Disney World' --- because that's how much was on the roll of tape we bought.