Very similar story here. About a year after graduating college, my beater (99 Mercury Mystique) was about on it's last leg, so I took my bonus & got a couple year old Impala.This happen to me as well, but my story goes a little differently. My apartment does not have any off street parking which can be problematic in the winter. I parked my car in an area where I thought I was safe and my wife and I leave a couple of days to go to her family for Christmas. We come back home, but noticed my car wasn't anywhere to be found.
We find out my car car was rear-ended and towed away to somewhere else in town. It was a hit-and-run and the police were unable to figure out who hit my car meaning I had to pay the deductible. I take my car to get fix and the dealership offers me a loaner to drive while they fix my car. Before I leave with my loaner car, they warn me that any damage that happens to the loaner will be on my insurance, and I figured that sounded agreeable.
That night I park my loaner on the opposite side of the street where my own car was hit, because in my estimation that was by far the safer side. Well anyway that night, a snowstorm happens and somebody hits the front end of my my loaner car. This person was an uninsured driver, and I have to pay the deductible yet again. So in matter of a couple of days I had to pay my deductible twice for a car that simply parked.
About a month & a half later, took it to my hometown (Council Bluffs) to visit family for Thanksgiving. We get up at like 4 am to go Black Friday shopping, and notice my car is gone - thought it must have gotten stolen. Called the police, & when they got there they said they found it in the middle of the road, back end smashed up. Registered address was out of town, so they just towed it.
So here I am out of town on a holiday weekend. Didn't have rental coverage so had to pay out of pocket for that to get home. Car was totaled, but the insurance payout was a couple thousand light. I didn't need Gap coverage cause I knew it all. So then I had to get another loan for a much crappier car with basically $0 down, and pay 2 car payments for a few months.
Credit card took a beating for a few months there. Luckily after being on CF for awhile, I'm now out of CC debt & own my current vehicle outright.