A car accident.

My father told me this, he said it was off of Bob and Tom today.

This guy runs into the back of a car at a red light.
He gets out to inspect the damage, and amidst the steam and smoke, a dwarf emerges with his hands on his hips.
"I'm not happy!" said the dwarf.
So the man asked... "well which one are you?"

That is absolutely brilliant! And yet so simple. Small things, heh?