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The speaker shares their experience of a car accident that occurred a couple of months ago while driving home around 7:30-8:00 PM. They were making a left turn with their turn signal on in a Toyota RAV4 when a lady driver rear-ended them after being inattentive. She admitted her fault at the scene and the speaker noted a smell of alcohol on her breath but did not mention it to the police. The speaker then called the police to file a report and documented the other driver's license and insurance. The next day, they reported the accident to her insurance company, highlighting damage to their rear bumper, including a bent reinforcement and damaged tailpipe.