+1
Perfectly stated, MB!
It slipped from the talons of a large bird, probably a Bald Eagle (6 ft. wing-span). We have lots of those around here. They locate near water and we have lots of that, too.
CSA
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Thank you now I understand.
Well thereās a new way to bust a windshield 
. We get a lot of deer collisions around me in Pennsylvania, I also had to honk at a wild turkey to get it to move out of my way going down my driveway this morning
I dunno. I think it depends. If Iām stopped and a lady backs her truck into me in the drive through lane, it is an accident for me but maybe a crash for her. So she could have prevented it but Iām not sure how I could without growing wings in about 10 seconds. Yeah it was a collision for both of us but I refuse to believe that it was preventable for me, but I filled out the State of Minnesota Crash Report form that used to be the State of Minnesota Accident Report form. This used to be a southern thing though in reporting accidents and then crept up to the rest of the country. I suspect it all started with one of those public safety national conventions and someone did a seminar session on it. I mean there is āpreventableā and āPreventableā but letās face it some incidents can only be prevented if you stayed in bed. Like I said its not a black and white thing.
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Itās black and white to me! You were the victim of an at fault collision. The woman who hit you was at fault.
CSA
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My wife had an āaccident,ā but not really an accident.
A couple days ago my bride hit a kayak with her Chevrolet Impala and broke the front fascia. 
Some guy in a pick-up truck with a bunch of kayaks, loose in the bed was going the opposite direction my wife was travelling and as he passed he started spewing kayaks all over. 
My wife tried to avoid one skidding toward her, but couldnāt. 
My wife called police, the guy stopped and waited and he was just a nice guy not meaning any harm.
Yesterday I went and picked up a police report so the guyās insurance can pay for it.
The report with a nice diagram shows, and the text explains, that he created a āhazardous actionā by carrying an unsecured loose load. His fault.
I didnāt realize until I read the Police Report that the forms the police use are standard for the entire state. (That makes too much sense for government!)
To finally get to my point, The form is not an āaccidentā form, but rather itās titled āTRAFFIC CRASH REPORTā.
My wife probably doesnāt like my calling her āCrashā! 
CSA
Yeah like I said, while I wasnāt looking, Minnesota changed the name of their form to crash from accident. I suspect it was after a national public safety convention in Las Vegas or something when someone did a presentation or something. Monkey see, monkey do.
Man, Kayaks falling from the sky. I remember hay bales falling from the sky. Coming back from SD on a two lane highway, a truck loaded with hay came around the bend spewing hay everywhere. The semi ahead of me jack knifed and was a foot off the ground with hay underneath. It was a total black out and couldnāt see a thing so all I could do was brake hard and hope to stop in time, which I did. Kid was maybe a couple years old in the car so could have been bad. The patrol hired the local farmer to clear the road with his loader so we could proceed. A guy behind the hay truck said he had been losing his load for the past ten miles but never noticed. Distracted truck driver plus unsecured load strikes again. I always keep my distance from hay trucks now. I also keep my distance from trucks with dumpsters on them but thatās another story.
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Those hay trucks/trailers scare me. Itās harvest time now and lots of farms between me and town.
Guys load those great big round bales, that weigh many hundreds of pounds each, on flat bed trucks and trailers (some are those farm trailers that careen all over the place) and get out on the highway.
Iām sure they have a good reason not to secure the bales in any manner, eh?
I.Q. could play a role. 
Anyhow, one of those puppies would kill a motorist (or 2 or 3) in an instant. I slow down and steer clear when I see them coming.
CSA
Yeah I think they said those round bales are about 1800 pounds each. A kid was killed in SD not to long ago when one rolled off the front end loader his dad was driving and rolled on him.
I canāt stand guys who donāt properly secure their load, whatever that may be
Sure makes life harder for everybody else, when they inevitably do lose their load
Just a few weeks ago, there was a LADDER on the freeway. Might have been a Werner
Anyways, I had no choice but to drive over it. There was no way to swerve left or right and avoid it. The guy behind me would have creamed me, if Iād slammed on the brakes. Yeah, he was tailgating that closely. In fact, the guy in front of me also had to drive over it.
Fortunately no damage to my car at all (I crawled underneath the car to check at the earliest opportunity). I managed to drive over it just right, if you can believe that. But the guy in front of me got his plastic belly pan all messed up
The guy who lost his ladder, whoever it was . . . I hope when he went back to look for it, it was gone. That would be a kind of justice. that would teach him a lesson, if nothing else. Bet that would be the last time he didnāt properly secure his load(s) 
Several years ago, a colleague destroyed his tire, because he hit a 12V automotive starter, which just happened to be lying on the freeway. Needles to say, he was not amused 
I could go on, but you guys get the point. And Iām sure you have plenty of similar stories to tell 
Back in the late '80s, I had no choice but to drive over a few ārebarsā that were lying in the right lane of extremely busy Route 22, in NJ. There is no road shoulder on that stretch of the road, so I kept goingāespecially since my apartment was only ~18 miles away. As I drove, I kept monitoring the dashboard for warning lightsāand there were none.
After Rt. 22, I had to take the Garden State Parkway for a few miles, and when I slowed down on the exit ramp for my town, the transmission did an EXTREMELY hard downshift. Gulp!
During the remaining 1/2 mile of my drive home, the trans seemed to act normally, and there continued to be no warning lights on the dashboard. As soon as I pulled into the parking lot for my apt complex, I got out of the car and immediately noticed a rapidly-spreading pool of trans fluid.
A check of the dipstick showed no fluid by that time, but clearly there must have still been a small amount of fluid left in the trans when I pulled into the lot. Upon looking underneath the car, there was an obvious puncture of the transmission pan, which was the result of impact from one of those rebars. If I had driven even a couple of blocks further, I probably would have run the trans dry.
The next day, I had the trans pan replaced and the trans refilled, andābelieve it or notāI never had any problems with the transmission for the 3 or 4 years that I continued to own the carā¦despite the fact that I had run the transmission nearly dry. The car was an '86 Taurus, so for those who say that these cars had āweakā transmissions, I have to say that my experience showed the transmission of that car to be quite tough.
Once, I was travelling in a Chevrolet Impala on a rain covered (shiny) limited access highway at night when I heard things bouncing off the bottom of my car. I pulled off the road and by that time noticed other cars doing the same thing, hazard lights going. Some had as many as 2 flat tires. I had lucked out, tire-wise.
What had happened, moments before I got to that spot, was that a truck carrying chopped up steel had lost itās cargo and the sharp little pieces were strewn across the roadway, ruining tires.
I had the same thing happen while driving my Chevy Luv in the dark. For two years I commuted over a big bridge, daily. I had just crossed over the middle of the 5 mile long (including approach ramps) suspension bridge when I got a rather sudden flat tire.
I had to limp across the rest of the way and change the tire. Turned out the tire was ruined by a small triangular 1/4" steel shard that was still embedded in the tread.
Those people that drive with unsecured loads on our roadsā¦ bless their hearts! 
CSA
A few years ago, I was on the bus from Puebla city, headed for a visit to our house in Mexico City.
I was in an ADO bus. Dang, I love the sound of those fantastic Volvo diesels! Especially climbing the mountain to the east out of Mexico City. Cars are struggling, and the diesel simply changes pitch a bit and accelerates as long as there is an open lane.
We were headed down the mountain, passing a line of trucks which were going slowly, using engine braking, when an exhaust assembly fell off a truck in front of us. No one could have avoided that mess of metal. It went thump thump under the bus. The driver groaned. It had wiped out the cooling system and it started to overheat almost immediately.
There was no place to pull off for a while. So, he had to keep going to protect the passengers no matter what happened to that lovely motor . He did find a turn-off and pulled over. There is a lot of traffic on that highway. I have seen a five buses a minute going down that hill in the Christmas season, each one carrying roughly 50 or more passengers.
In no more than three minutes another ADO bus also headed for TAPO pulled in behind us. The driver started transferring luggage. I jumped out and helped him, and in a minute a college age kid helped us. I donāt think we were stopped as much as ten minutes.
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Accidents happen in bed tooā¦
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Thank you, I had seen that video but remembered it wrong. Thought it was Megan that said it.
Another technique Fox uses. One of their reporters will ask some absurd question to the camera. The following hour: people are asking (whatever their reporter said).
A fallen tree took down the wire, which got tangled in the front wheels and somehow hoisted Lisa Beaulieuās car up off the road into a nearly perpendicular position.
Wow. Itās highly fortunate that everyone is okay.
Sometimes no matter how careful we are, stuff happens.
Update: I finally got into town and got an estimate. Replacing the front bumper cover will cost just shy of $900 at the dealership.
I took the Police Report and estimate to my insurance agent and had a sit-down meeting. I was surprised to learn that since the other guy was at fault and had the same insurance company that makes it easier. She said that a claim will not be made under our insurance at all. A claim will be made under the other guyās policy.
CSA
Here is another one: