Note: This story was dynamically reformatted for online reading convenience.

*************************************************************************
This is a fictional story involving the sexual situations between
consenting adults.  If this subject offends you, close this page NOW!  If
you choose to read on you must be 18 years or older.  If you are not
LEAVE!!!
   Any similarities to any person living or dead are purely coincidental.
*************************************************************************
Fender Bender
   By Romany
   (M/F, ir)
   The collision at the gas station exit really pissed Adam off.  The guy
had made an illegal turn across double yellow lines from the southbound
lane to pull into the gas station.  Adam was inching forward, looking over
his shoulder to leave the gas station and join the traffic in the
northbound lane when the collision occurred.  The guy's van suddenly
appears from nowhere and Adam collided with it.  Both cars were noticeably
damaged though neither seriously.  The guy got out and Adam saw he was an
Indian.  He began waving his arms around and accusing Adam of not looking.
Adam played the scene by the book and did not admit any liability or make
any accusations.  The guy named Singh had called 911 and a cop eventually
arrived and gave them turn about explaining what happened.  After Singh
explained how he had entered the gas station, Adam pointed out to the cop
that Singh had crossed the double yellow lines.  It was an illegal turn and
given Adam had been looking behind him to join the traffic while gently
moving forward; the collision was down to Singh making the illegal turn
across the yellow lines and coming in what was an exit from the gas
station. The cop concluded most of the blame lay with Mr.  Singh, though
conceded Adam was moving forward and should have been looking that way. 
The guy was crushed as Adam was released by the cop after the report was
completed, and he heard Singh whining to the cop as the cop ticketed him
for an illegal turn.
   Adam's insurance agreed with Adam's assessment of liability and assured
him he would get his deductible back from Singh's insurance.  They would
also be reimbursed for the repairs to Adam's car.  A few weeks later his
insurance assessor called to say Singh's insurance had agreed to meet half
the damage and deductible.  He assured Adam they wouldn't accept that as
final and that the incident would go to arbitration with hopefully full
reimbursement.  Adam was relieved but later discovered his monthly
insurance had increased because of the `incident' despite him not being at
fault.  It was what it was.  He had made a claim and even though he wasn't
to blame, and they were likely to be reimbursed, his premium was increased.
If that wasn't bad enough, Adam received a letter from Singh threatening to
sue for damages and unspecified loss.  Adam was pissed and rang a lawyer
who had sent him a copy of his accident report and a glossy cover letter
offering his services.  Standard practice for the lawyers to obtain
accident reports and tout for business.  Not surprisingly his guy
completely agreed with Adam and Adam's insurance company and in an effort
to keep the case from court, called a meeting with Singh and his lawyer.
   It was a good idea but did not go well at first.  Singh waved his arms
around and kept going over the fact Adam was not looking.  Despite several
recitings of the cops report, Singh was not to be placated.  He had brought
his wife with him and Adam had noted she was quite foxy.  Definitely Indian
but western in dress and demeanor.  Eventually Mrs.  Singh got a little
impatient with Mr.  Singh and Adam and the lawyers were somewhat amazed at
how she called her husband to order.
   "Mr.  Dalzell," she said in perfect English looking at Adam's lawyer. 
"Could we have a moment please?"
   Dalzell stood and ushered Adam out of the room.
   "I think you're going to be OK," Dalzell said leaning close to Adam.  "I
think Mrs.  Singh wears the pants in that particular household," he added.
   "And nice tight pants they are to," Adam blurted out; referring to Mrs.
Singh's very attractive frame.
   Dalzell laughed crudely and the men shared a small moment at Mrs. 
Singh's expense.  They were asked back in to the meeting room and both
Dalzell and Adam were somewhat astounded Mrs.  Singh controlled the last
five minutes of the meeting.  She unreservedly apologies to Adam for the
distress their claim had caused, and apologies to all for her husband's
manner.  He sat scowling and said nothing; clearly sulking that his wife
was overruling him.  Mrs.  Singh assured Adam they were not taking the
matter any further and wished him well in insurance arbitration for the
balance of his deductible.  Adam accepted her apology graciously privately
lamenting he now owed Dalzell about two fifty bucks for his time, and his
insurance rate had gone up.  All through being in the wrong place at the
wrong time when Singh had appeared from nowhere.
   The incident subsided in Adam's mind and the arbitration was some two
months out, Adam took the unexpected expense on the chin.  So it was some
surprise that one late afternoon as he walked to his precious Mercedes, now
suitably repaired, that he saw a dark haired woman approaching him in the
car park.  He could tell by the way she was looking his way she was
intending to come up to him.  He stopped somewhat puzzled and regarded the
small elegant woman with shoulder length dark hair approaching him
purposefully.  It was only when she was nearly up to him that he recognized
Mrs.  Singh.  He stood at the trunk of his car as he had put his laptop bag
in and waited for her to come up to him.
   "Mrs.  Singh," he said somewhat surprised she was clearly seeking him
out.
   "Mr.  Horton," she said with a smile and reached a hand to him and he
shook it.
   She had a good strong handshake for a woman.
   "This is a surprise," he said implying he believed her presence was not
an accidental meeting.
   Yes...I'm sorry to trouble you Mr.  Horton, she began.
   "Call me Adam," he interjected.
   "Adam...right...Adam it is," she chuckled.  "I am Daisha, by the way."
   "Right...Daisha," he said with a smile.
   "Adam I wonder if I could have a word," she said smiling up at him.
   "What about," he said, blushing she noted he was checking her out.
   "About the...aah...unfortunate incident with Dev...my husband," she said
looking at him apologetically.
   Before he could answer she looked around.
   "Is there anywhere we could go to talk in some comfort?" she asked
before he could respond.
   He picked she did not want him to give her a simple "it's OK, forget it"
answer to her mention of an apology; so feeling somewhat buoyed by her
apparent need to sit down to talk to him, he suggested a small bar not far
up the street.  He mentioned he and his colleagues often went there after
work on Thursdays.  As it was Tuesday the inference was they would not be
there tonight.  She smiled warmly.
   "Lead the way,' she said.
   They walked up the street together; Adam quickly reminding himself just
how foxy Daisha Singh was.  About five foot five and a smoking figure with
full firm breasts.  She wore a tight red, ribbed, long sleeve sweater with
vee neck.  Her slacks were immaculately pressed and though slightly baggy
so as to appear modest at the crotch, they fit her hips and butt
beautifully.  She was wearing a mid-thigh leather coat.  She oozed class
and moderate wealth.  He picked she was maybe early thirties; older than
him, and he was twenty-eight.  He noted the expensive gold chain at her
neck and the abundance of rings on both hands; one gold ring on her right
thumb.  He noted she was deliberate in not talking; perhaps not to exhaust
the reason for accosting him and leaving no reason to stay for a drink.  He
felt there wasn't much to discuss so he was intrigued by her somewhat
enigmatic approach.  Settled in a booth in the near deserted bar, Adam
asked if she wanted a drink.  Careful in case she was teetotal and he might
offend her.  She saw his careful manner and smiled warmly.
   "I'm not a veggie Indian who doesn't drink," she laughed.  "I like a
good petite fillet minion or a nice sauvignon blanc, preferably from New
Zealand," she added.
   "New Zealand...right...you certainly know what you want," he laughed and
he went to the bar.
   Fortunately they did have one bottle of New Zealand sauvignon blanc open
as a house white and he got her a glass of wine and a Sam Adams for
himself. He returned to the booth and sat opposite.
   "Cheers," he said holding his frosty glass up.
   "Good luck," she said, and they touched glasses.
   "Good luck?" he queried after they had sipped their drinks.
   "Oh," she laughed.  "It's what they say in New Zealand.  I'm originally
from there.  My parents are Fijian Indian.  First generation.  They moved
to New Zealand after the first coup," she explained.  "I hold a New Zealand
passport."
   That explained her good English and seemingly neutral accent; not a
typical Indian accent when speaking English.  She noted he had little idea
about Fiji except it was in the Pacific somewhere near Hawaii.  She laughed
gently at his lack of geography and she quickly explained how Indian
migrants had moved to the Fiji islands when there was a garment
manufacturing boom.  How Indian migrants had largely prospered and operated
the tiny islands economy.  There had been a military coup and her father
who was born in Fiji from immigrant parents, had moved the family and
fortune to New Zealand.  She went on to candidly explain how she and her
husband met and married in New Zealand and then had come to the US when he
had applied for, and been accepted to a job with an international
telecommunications company.  She had gone through dental school and was now
a practicing dentist.  She and her husband had two children; both born in
the US.  Adam saw their history as typical of Indian migrants to the US. 
Her growing up in New Zealand had watered down much of the traditional male
dominance in a typical Indian household and he suspected she was far more
emancipated than most Indian wives who had come from continental India. 
The time flew by and Adam realized they had yet to get to the reason for
here wanting to talk to him; to apologize for `the incident' as he had
suspected.  She had told him about her and he told her about him. 
Eventually after she was on her third glass of wine and he was on his
fourth beer, he brought her to the point of her tracking him down today. 
He was a little curious how she knew where to find him after work.
   "It occurs to me that you have been somewhat left out of pocket," she
began slowly.  "That your insurance would have been increased and of course
there would be expense for your lawyer," she added.
   He nodded but said nothing.
   "I think we owe you some sort of compensation," she said and stared at
him evenly as she fiddled with the glass before her.
   Adam raised his eyebrows.  Did he sense some double meaning in her use
of the word compensation.
   "I have to admit I was a little miffed," he said with a short chuckle.
   "Well yes," I am sure you were," she said.  "Which is why I would like
to repay you," she said evenly still holding his gaze.
   "What did you have in mind?" he said staring into her dark brown eyes.
   "Well...you're insurance rate will always be higher for some time,
providing no more accidents," she began carefully.  "So I can't offer
direct monetary compensation.  Of course your lawyer would have charged a
fixed fee so that can be reimbursed," she said studying his face.
   "What do you suggest," he said hoping she was going where he thought she
was going with this.
   "I thought...perhaps I could treat you dinner...as compensation for the
lawyer's fee," she began; and paused to sip from her glass of wine.
   "And compensation for my insurance rate?" he said as he took a swig from
his beer trying to appear he was nonchalant about her proposal.
   He was anything but nonchalant.  He sensed there was definitely an
undercurrent to her words.
   "Aaahhh...yes...as I said...that is a little more difficult to assess.
We shall have to see what can be done there," she said holding her glass in
two hands before her; her dark eyes seeming to twinkle as she spoke.
   He held her gaze for a few moments and then as if a thought just came to
him, he looked at his watch.
   "Oh...you have somewhere you must be?" she said; a look of
disappointment on her face.
   "No...no," he answered quickly.  "I'm free tonight.  I was just
wondering...Its gone six thirty...maybe we could have that dinner you say
you owe me," he said with a smile.
   "Yes...yes let's do," she said brightly, and drained the last drops from
her glass of wine and stood up.
   Adam emptied his glass and stood and the two walked out of the bar. 
Adam knew a very nice restaurant within walking distance of the bar.  She
fell in beside him and they walked to the restaurant and were ushered to a
table.  As if to demonstrate she wasn't veggie she ordered a lamb chops and
ate her meal, skillfully cleaning the meat from the bone.  Adam had the
same and he was dismayed at how clumsy he was trying to clean the meat with
the dexterity she did.  He conceded Americans did not have the grace of
using a knife and fork properly.  They shared a bottle of red wine and
after they had eaten, coffee followed.  Talk through the meal centered on
their history and she carefully quizzed him to see if there was `anyone
special' as she put it.  Adam assured her he was unattached and she gently
pressed him on past romances.  He was honest enough.  Only two serious
relationships; both failed because of him.  He confessed he was somewhat
commitment phobic.  She volunteered information about her and her husband.
How they met independently of family.  That she was in conflict with her
father at the time as she had been dating non-Indian boys while at
university back in New Zealand.  When her husband came on the scene her
family got heavily involved; delighted he was Indian and from a good
family. Before she knew it she was engaged and then married at twenty two.
Adam wasn't too interested in her chatter about her husband.  He couldn't
for the life of him see what she saw in him.  As well as being a prize
jerk, there was something almost sinister in his face.
   They dawdled at drinking their coffee.  Both realized an empty coffee
cup signaled the dinner was over; neither wanting it to end just yet.  Adam
took the lead, realizing they couldn't sit here forever.
   "So that's my lawyer accounted for," he said looking at the near empty
coffee cups.  "How do we assess the hike in my insurance?" he said holding
her gaze.
   "What do you suggest?" she said staring back at him.
   "I thought a nightcap...at my place," he said feeling emboldened by the
wine; he believed he had correctly read the oblique sexual undercurrent in
her words back at the bar.
   "Sounds intriguing," she said, and without batting an eyelid she raised
her hand and summoned their server.  "Check please," she said and after the
server had left she turned and smiled warmly at him.
   "What do you have as a nightcap?" she asked with an impish smile.
   "Oh we will have to see," he chuckled holding her gaze.  "I'm sure I can
come up with something."
   He was proven right.  In essence the entire chance meeting, drinks and
dinner was a plan to get into the sack with him.  She followed him to his
apartment in her car.  They were barely in the door when he simply went for
her.  There was no false modesty or coyness from her and she did not
resist. He backpedaled her into his bedroom stripping their clothes as they
went.  Their lips glued and both gasping and panting with desire.  He got
her sweater and slacks off and she was wearing a teddy.  He flattened over
her on the bed kissing her and crushing her ample breasts with his hands;
her nipples rock hard with desire.  She had one arm around his back and the
other hand between them grabbing at his crotch.  After he had worked on her
breasts through the silky teddy, Adam quickly stood and ripped his shirt
off, and then opened his pants and pushed them down; taking his shoes off
with the rush of hooking his pants over his feet.  He was hard and as he
flattened back on top of her she grabbed for his cock and groaned.
   "Come into me Adam...now...I want you so bad," she gasped against his
mouth.
   He hooked the crotch of the teddy aside as she pulled his cock to her
crotch.  She was sopping wet and he went into her easily; still partially
dressed in his tee shirt and sox.  She moaned and ran her hands through the
back of his hair.  He slid his hands under her thighs and lifted her feet
from the floor and up.  She obliged by hooking her heels around his back
and this way, Adam fucked her vigorously while standing on the floor beside
the bed; rutting hard into her.  She gasped and grunted and whispered
encouragement as he fucked her blindly.  Both of them consumed with lust
from the eroticism of the coupling.  The entire fuck lasted no more than
five carnal minutes.  She started to groan and then wail and she was
clearly cumming hard.  Gritting her teeth and crushing him to her.  Adam
holding her under the butt and shoving for all he was worth.  When he heard
her cumming he fucked harder and found the spot he needed to get off.  Soon
he was groaning and gasping noisily as he filled her with cum.  Spurting
strong inside of her wet heat.  He slowed; pushing deliberately deep with
each stroke.  She went "o-o-o-oh" and "a-a-a-h" each in-stroke as they both
came down from what was an intense sexual high.
   Adam held himself deep in her and she eventually lowered her legs and
she lay bent back over the side of his bed.  He looked down at her and saw
she had an impish smile on her pretty face as she was getting her breath
back.
   "That was unexpected," she panted and chuckled.
   "Was it?" he asked, believing this was intended from the start.
   "Very much," she panted.  "I haven't cum like that for...oh...I can't
remember," she said staring at him with a look of gratitude.
   Adam blinked realising he had misunderstood her comment.  Yes, all being
equal she had intended them to have sex.  But she had obviously not banked
on it being so pleasurable for her.  Adam was elated at her admission.  His
ego brimming full he had got her off the way he had.  He slipped out of her
and she groaned in disappointment as she felt the cock leave her body.
   "Cruel," she whispered to him; staring at him lovingly.
   He pulled his tee shirt off and removed his sox.  She sat up and then
stood on unsteady legs such that he had to catch her in case she fell.  She
giggled and then released the crotch of the teddy and pulled the thin
expensive garment from her body.  They hadn't turned a light on, they were
so rushed.  The hadn't pulled the curtains so he stood and regarded her
naked form in the ambient night light from the city outside.
   "You are so beautiful," he said softly; gazing at her full perfect
breasts with the hard dark nipples.
   Even in the dim light he could see the copper bronze pigment of her
skin. He saw the small shock of pubic hair above the faint darkness of her
sex slit.  The bush carefully trimmed and shaped just above the start of
the dark slit.  Her hips and waist were in perfect proportion to her
breasts and shoulders.  He reached and gently pulled a strand of hair
caught across her lips and she fluttered her eyelashes, flushed with his
compliment and the small intimacy of flicking the hair away.  She stepped
forward and took his shoulders and leaned up to be kissed.  He held her
tenderly by the bed and they kissed for a minute or two.  She pushed her
groin against his thigh.
   "Do that to me again, and again and again," she whispered; punctuating
each `again' with a light kiss.
   He laid her back onto the bed and she moved into the middle.  Rolling
onto the bed beside her he started with her face and lips.  They made out
for some time while he gently massaged her breasts and nipples with his
hands.  He moved his face to her breasts and she sighed deeply as he took a
nipple in his mouth and teased it lovingly; nipping it lightly with his
teeth.  His hands had moved lower and he was lightly trailing his fingers
over her tummy.  As the fingers moved lower nearing her pubis, she lifted
her hips gently; anticipating he might finger her sex, but he did not.  By
the time his mouth trailed down her midriff and his hands were now lightly
stroking the inside of her thighs, she was moaning constantly.  A hint of
reproach in her voice when his hands came close but did not touch her sex.
By the time his mouth skimmed over the wiry pubic patch she lifted her hips
urgently.  He opened his mouth and slid his tongue between her sex lips.
   Her response was mixed.  She pushed her crotch against his face but
muttered "no...Adam...you don't have to...I've never...I'm a mess."
   He chuckled crudely and slid his tongue down and stabbed at her sex. 
She arched her back and moaned.  If she said he didn't have to, her actions
belied her words.  Adam worked her over with his mouth; eventually his
fingers acting in unison, jammed into her sopping sex.  He had no qualms at
eating her where he had recently cum, even if she felt she was somehow
unclean for him.  She gave up any pretense she did not want his mouth there
by grabbing his head and pulling his face against her crotch.  Adam slipped
between her legs and ate her out; crouching between her spread knees.  As
he drove her wild, she drew her knees up and opened her legs wider.  He was
working her clitoral area with his tongue and three fingers jammed tight
inside her.  He moved his pinky to her dark anal pucker and slid it in.  He
had all his fingers except his thumb jammed in both holes.  She went ape.
Daisha was now bucking and gasping and groaning as she crushed his head
into her crotch; cumming hard and wailing and groaning as the second
intense orgasm rushed through her body.
   Adam sensed the orgasm had passed after a minute or two.  Her chest was
heaving and he looked up and saw her nipples were incredibly hard; jutting
up from the full globes of her breasts.  Her eyes were closed and her mouth
slightly open as she sought to regain her breath.  Easing up on his knees
he reached for his cock which was still hard, and he shuffled forward.  He
pulled his fingers gently from her cunt and ass and she moaned her
disappointment.  Bending forward he pushed his cock against her dilated
vaginal opening and eased down and forward.  She moaned in approval and as
he slowly slid into her, she wearily lifted her arms up around his neck. 
Lying back and watching him through heavy eyes as he hovered over her; she
smiled wanly at him as he slowly started to fuck her.
   "Go for it," she panted as he shoved deep.  "That insurance rate must be
a killer."
   Adam fucked her slowly and deliberately.  Bringing himself close and
easing back from the brink.  Kissing her neck, her breasts, and tweaking
her nipples.  He was indulging himself; using her spent body for his
gratification with her consent.  He had no idea he had started to arouse
her again but by the third time he had pulled back from the brink and then
started to speed up again, he was astonished to sense real response.  She
was working her hips against him in a slight rolling motion.  Her eyes were
open and she watched him.  Her mouth opening and closing like a goldfish.
He realized she was getting off a third time when she grabbed his shoulders
and crushed him to her again.  Adam lost it and fucked like a maniac;
rutting as hard and as deep as he could.  Daisha was now groaning and
wailing once more.  Together they went over the waterfall and eventually he
collapsed on her and they both passed out in fatigue.
   He woke hearing the sound of a toilet flushing.  He sat up and realized
she was not on the bed.  Knowing it was her in the bathroom; he relaxed and
lay back waiting for her return to the bed.  But she never came.  When he
heard the front door click he sat up in alarm and jumped off the bed.  Adam
raced to the front door and opened it and looked out.  The hallway was
empty.  He was naked so could hardly run after her.
   "Daisha," he called and half heartedly along the deserted hall.
   He reasoned that by the time he rushed back and got his pants and shirt
on she would be gone.  He was on the second floor.  Already she would be
walking out the front entrance of the building.  He sadly turned and walked
slowly back to his bedroom; the front door closing automatically behind
him. He rolled onto the bed and lay on his side; sulking that she had left
him without a word.  Why had she come onto him so?  What did he know about
her?  He had her address on the accident report.  He could go to her house.
Find out her phone number or where her dental practice was.  Adam lay there
feeling a great sense of loss.  Secretly knowing she wanted it this way
though he didn't want to admit it.  He could see her quiet departure meant
she had had no intention of starting an affair beyond one erotic night. 
The joke about compensation was a ruse yet to take her at face value, she
had more than paid him back with interest what she felt she owed him.  In
that brief moment or rationalization, Adam was immensely grateful that
Daisha Singh's prick of a husband had run into his car.
   The End
   (C) Romany 2010.  Protected by copyright law.
   Do not copy, edit, or post this on any website without the author's
permission.
   Read more stories by Romany at
https://www.asstr-mirror.org/files/Authors/gypsey/romany/
   
  
Fender Bender