Blizzard
I didn't know why, but on a day like this there was a blizzard warning. Like usual, they canceled everything. Whatever, I wasn't going to look a gift horse in the mouth.
I was driving home, listening to some chipper faux-calypso salsa jazz thing when it hit. Out of nowhere the sky turned to sleet and everything around me turned white. Ten minutes later I was in a ditch, the snow steadily rising and rising and rising and rising around me. I knew I didn't have long, and I knew what I had to do.
I wrapped myself up tight in my two layers of thin hoodies and one layer of old and ratty jeans, got out, and braved the cold long miles back to somewhere where it was warm, where the wind and the precipitation weren't blasting in my face while I steadily fell and fell and fell and fell into a hypothermic coma, buried beneath the ever-growing white mountain that would keep my body safe until spring.