Though not as bad as some, my horror story is still pretty bad.
I was sitting in the left hand turn lane, stopped and waiting for the light. A SUV was turning left, and basically drove through my front end. It was a lady, and she had 3 small dogs in the front seat with her. OnStar came on within 10 seconds and asked if I was alright. I said yes, then they wanted to know if they should call the police. Yes. Was anyone else involved and were they hurt. This took all of 20 seconds or so, and I stated I didn't know, and got out of the car and went to the lady's window. She refused to roll down the window and was on her cell phone. I have no idea if she was on the phone BEFORE the accident though. She never talked to me, and when the cops came she spoke to them.
Results? $11,500 in damage. It did result in me getting painted stripes at the same repair shop though, and they did an awesome job in matching the paint.