... getting a big dent in your car because some moron crashes into you?
Getting a big dent in your car because some moron has just learned driving and doesn't know how to park yet and bangs into your car (which is quietly enjoying an afternoon nap in the parking lot) and doesn't even have the courtesy to leave a sorry note.
And what is even worse? When the above moron is not some random stranger, but your coworker.
Item #12, coming right up.