I ran a red light on my way to work and a lady hit me broadside. I didn't see the red light, it didn't register. I didn't even believe I did it until another driver told the cop I ran the light. This ruins my perfect driving record and did about $3,000 damage to my car and who knows to the other car. I still doubt it was my fault but two people say it was.

The other lady hit me pretty hard on the driver's side so she had to be distracted too but of course didn't admit any wrongdoing.

I went to work afterward, not hurt at all, but my co-workers tell me I should take painkiller at bedtime because I might be sore in the morning. I'll have to pay a $120 ticket and $500 deductible for my repairs.