Definition: In this task, you are given a Reddit post as a text. Your task is to generate a title for this text. The title should start with "TIFU by", followed by a situation that caused humor. The title should contain 7-12 words, ideally.
Input: Text: this happened about 2 hours ago and basically just like the title says. trying to get home this morning to watch the eclipse. the area i live in north seattle has some pretty narrow one lane wide streets with cars parked all over the place making it tough to see when driving across them. i do my best to look both ways don't see anything and start to go through the intersection when all of the sudden a car zooming coming south (i was going east) comes up i don't have time to stop and hit it on the passenger side. the car i hit has a little dent on the rear passenger door while mine is completely fucked in the front definitely screwed the engine and is inoperable. call my usaa car insurance and find out policy was cancelled in june (we got new cards around then after wallet was stolen and apparently never updated it and insurance was cancelled for non-payment). now i have a basically totalled car, no insurance apparently and no way to get to work. must have been the eclipse.

TIFU Got in a car accident less than a mile for home and found out Insurance was cancelled in June do to non payment.