Just got a call from a guy I play with. A guitar player from a band that he shared a New Year's gig with was driving home, pulled in front of a train and lost his left arm. He had been drinking and was headed home. From what I understand, he was driving through an area that has a lot unmarked juntions and multiple tracks (switch yards,) and was hit broadside by a slow moving train. This guy basically plays guitar for a living. He plays with bands in the area, and does solo stuff to scratch out a living. I seriously doubt he has any insurance. All that could have been avoided. I'm not preaching, as I have done the same thing alot in the past.