The Accident:

So here it is ... more than ten years of driving car and this is the result, first accident. We bought a car in spring with loan money. It is/was Daihatsu Sirion year 1999 model (a new car compared to my previous car which was Toyota Tercel 1982). Well here's the report.
First of all I have to say that nobody got hurt and that is the most important thing of all. It was late october. Suddenly snow fell on ground and stayed there. After few snowy days me and Pipsa decided to go change winter tyres on. It was sunday ... tyres were at Pipsa's parents place about 50km from our home. In the car with me were Pipsa and our dog Heli who were sitting in Pipsa's lap. Roads were very slippery with summer tyres so I drove extra carefully. That wasn't enough.
Trip was no problem at all because I were extra careful all the time. Hundred meters from our destination I turned car to another road and then it happened. Car didn't turn (even that speed was close to zero) but start a slow and painful slide toward side of the road and deep drop.
As car slid it almost stopped on side of the road. Because of wet leaves under the snow there were no friction at all. Car slid out of the road and turned upside down at zero speed.
After few seconds of disorientation and noticing that I was upside down in car Pipsa asked if everything was okay and I saw Heli walking on roof of the car (which was kinda funny looking and it was good to notice that Heli was okay too). Pipsa told she was okay and told me to turn engine off. Quickly we were out of the car and phoning Pipsa's parents who came in few minutes.
After a call and about half an hour wait for tow-truck, they lifted our little car up. That was when we saw how much damage it did get. It was amazing that nobody got hurt. They took the car away to wait tomorrow and visit to insurance company ... which were the next shock.
In insurance company they said our insurance wasn't good enough and it wouldn't pay anything happening to our car. And we had paid up for our insurance for years with thought it would cover anything. Damn those insurance companies are sneaky.
Car was in few carages and it would cost around 3500-5000 euros to put that thing back in the road. That's a hell of a lot money for a car we are still paying up.
And like that wasn't bad enough ... new roof wasn't available in scandinavia or europe either. Actually no-one were sure there even was roof in factory in Japan. In that case they would have to make one and it would take from three weeks to three months ... and it wasn't even sure if there would be one after that.
Well, that's our little car adventure which isn't still over. We have made appeal to insurance company that we were misled by our insurance. Let's see how that will go. We are going to have some car for the time those new parts take to come. Hopefully it will be closer to three weeks and three months.

What can be learned from this. Go check your insurance right away that is valid. And you can always repair broken metal ... human life is whole other thing. Be careful out there.