Needed to cross the road in a hurry, on my bike. Waited for a tram going right (from my point of view) to pass, then quickly proceeded to cross. Hidden behind that first tram was a second one, going left on the other track, appearing into my field of view in the exact moment I was already rolling onto its track. I only remember thinking “OH $&*#”, then I woke up to a bunch of people hustling around me, and not remembering who I was. Tram had knocked me 10m through the air, I had amnesia for a couple hours. But somehow I was out of the hospital four days later, was able to fix my bike, the only thing that had taken serious damage was the tram. So… I won?
(yeah that was a seriously idiotic mistake to make, but that’s my problem - I am often a clumsy idiot. Trying my best not to, but I’d still prefer to have insurance XD)