Shit happening like that sucks, especially while you're driving and you're on your way to somewhere important.
But to make you feel better I'll tell you about one of my worst car experiences.
In my high school weed smokin days, two friends and I were riding along and had just lit up a blunt. The car filled with smoke but I thought hey, this is normal. Being the alert pothead (ha!) that he was, my buddy screams "oh shit the car is on fire!".
I look down and sure enough, there was an electrical fire in the floor board near the console. Once we put the fire out we were laughin our asses off but it ended up costing me a lot of money to fix.