Car stories appear to be the most popular form of the "oh, s***" genre, so I'll toss in my own.
I went to lunch with a couple of coworkers back when I was working at another company, and I was in the front passenger seat as we were coming back. Our office was on a very busy street, and traffic was completely backed up, blocking the street where our driver needed to make a left turn. People politely left a gap in all three lanes so she could cut through.
Unfortunately, there was a fourth lane, which was a turn lane that was wide open. As our driver cut through the three blocked lanes, I said, "I think there's another -" and then we were in the fourth lane, and all I could see was the grill of a truck heading straight into me. That truck is seared - seared - into my memory.
Fortunately, our driver accelerated just enough where the truck hit the rear passenger door instead of my front passenger door. Everything that I could hit messed up a body part. I broke a rib on the armrest, got a concussion from the side of the roof, and in a bit of bad luck, the little handle to roll the window up and down caught me in the knee. It didn't break the skin, but the internal bleeding turned my whole leg a nice brownish-black from my knee to my ankle.
That split-second view of the truck coming in was my 'oh, s***' moment.
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