So I've been driving this old, beat up, junky pickup truck for years and years without incident and I finally break down and buy a new car. Before I can get 6,000 miles on the new car I get rear ended and have to deal with insurance adjusters and body shop estimates and a laundry list of headaches to get my car fixed. Insurance companies really grind my gears!!! Just so I'm not the only grumpy old curmudgeon complaining about stuff, I decided to start this thread. What really grinds your gears?