THE SCENE12The laminate still smells fresh on your new license so you’re out for a ride. Butwhen Sally, from the backseat, tells you she talked to Brad last night, you’re so “no way” thatyou hit a parked car. No one’s around, so you take off. Not so fast, though; there was someonein the car — who got your license plate number. Your fender-bender is now “a hit and run.”The text message says they’re about to vote your fave off the island, andyou know you forgot to hit record on the DVR this morning. In such a rush to gethome, you miss the car braking in front of you, and rear-end it.3You are pretty freaked about the crash, but you totally checked to makesure everyone was OK. Way to be.4You forget to call the cops. At least that lady walking her dog was coolenough to call for you.56No injuries, no big damage, and the other guy says he will settle theaccident on-the-spot for $300. You write a check, thinking your parents would neverhave to know. Two weeks later, the dude is claiming whiplash and fi ling a lawsuit.Top it off, your radiator has started leaking. That will cost you for sure.Even though you paid the other guy, you never admit the crash wasyour fault. At least USAA can fi ght the claim and determine fault. But you still haveto ’fess up to Dad.7You exchange all contact information with the other driver, even theother guy’s driver’s license number.8You whip out your picture phone and got some shots of the accidentscene. Like a true TV crime drama.9You let the little old lady crossing the street about the timeof the crash get away; she could have been a good witness. At least those twoskateboarders stuck around.10You’d never forget the details of the crash — so why write asummary? Days later, your story has changed more times than Christina Aguilera’shair color and you’re not even sure what happened anymore.11You hung around and helped Mom fi ll out the claim form at usaa.com,giving all the information you have on the crash.12You couldn’t wait to find out what the offi cer wrote about your drivingskills, so you contact the police department every day until your report is ready.