Luckily, the other driver was not injured, and I received only a minor abrasion on my forehead. Because it was 8 a.m., the sun was directly in line with the stop light, and I couldn't see that the light had changed. It was one of those moments that seemed to pass in slow motion - one of those where you brace yourself for the oncoming tragedy, just hoping that everyone will be okay.
On the plus side, no one was injured, the police were very friendly and didn't issue a citation, and our insurance company was very easy to work with (they even had an the appraisal guy out to our house within three hours of the accident).
On the negative side, I get to look forward to paying the $250 deductible and watching our rates double. FUN, FUN, FUN!!!