Three months ago today I had a total-loss collision because some numpty pulled out in front of me without looking. Returning from the supermarket just now, exactly the same scenario...except this time it was a young lad in a blue Micra-type car. Fortunately my brakes didn't let me down and, in the lad's defence, he must have been blinded by the sun.
Well, that just scared the you-know-what out of me! :(