What is the most unpleasant thing you have experienced? (Contacts please answer!)?

I would say last year on christmas night I was driving home from my dads house. I hit black ice on a major high way going around 50 and totaled my off road toyota I bought straighr out of my pocket. I miss my truck and its still not fixed. To make it worse after my crash I had to go to the hospital and my insurace didn`t cover it so I had to pay for the bill out of my pocket. I miss my truck and hate driving now!