Not what I've done but another motorist who locked up their brakes in the wet and rear ended my GTI. Initially thought it was okay but on closer inspection the bumper is cracked, about a 4 inch horizontal one from the right side of the numberplate indent
I'd slowed down and pulled to the left to let an ambulance pass between the two lanes of traffic, looked in the mirror and saw the car just as it hit me. 33 years I've been driving, never had an accident before this year and now I've been hit twice in broad daylight. It's not like the car is difficult to spot, TR is so bright it can be seen from the bl**dy moon!
So, another call to Direct Line, more paperwork but at least it's driveable in the meantime and no-one has been hurt (apart from my sore neck which no is not an attempt to claim for whiplash. Unless it is whiplash, I'm seeing my physio on Tuesday, he'll sort it).