Haven't been in an accident yet, though I have a story. (Did I just jinx myself?)
My sister had a 92 tercel we had been keeping for her while she was in fresno. She was planning to sell it to us, for more than it was worth, though I wasn't paying. The day before she was going to head back to fresno and sell it to us, she rear ends a guy, and comes close to totalling her car. Just getting back from the shop now, with the spike in OUR insurance, and her still probably looking to get some cash from my parents for the car. (Arg.)
Edit-My Grandma was in the car too
