While we were on errands today I was in the passenger side of the car with the window down a couple inches. All of a sudden I heard a snapping type sound and felt a sharp prick in my neck. When we were able to pull off the road I found this insect on the seat. It had apparently fallen down the back of my shirt after hitting my neck. It felt like I was stung not just bumped but we find no stinger. Felt several stabs of pain after it hit me.
Is this a bee? I thought it was but it looks a bit different, none of that golden color. It was very lethargic after it got me and took a few hours before it died.