When you get into a car accident and the person who hit you, or vice versa, is an old acquaintance who has transitioned since you last saw them.
“I accidentally tapped a cars rear bumper the other day, and guess who it was?”
“Lacy!”
“Yep, It was great to see her. To bad it was a transgender fender bender”
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This is a sex act where the male participant is at his climax, but just before he cums he fists the female participant but he puts his whole hand in the vaginal cavity and grips the inner lining of the vagina, and tugs at it and then releasing . This makes the female feel intense euphoria until the pain kicks in.
"Todd gave me the transgender fender bender II last night and can't feel my finger nails right now."