I was coming back from class one day, and at a stop sign on a road that goes uphill.
In order to get onto the road I wanted to I had to accelerate up the hill, cross traffic, and continue left.
I made this turn nearly every day I went to class, so I considered myself pretty knowledgeable in when I could and couldn't make the turn.
On this particular morning the roads were wet from an earlier rainstorm. I was at the stop sign, and looked left. Saw the cab of an 18 wheeler approaching, but it was far enough away so that I could easily make the turn.
So I went. My tires skidded on the wet pavement, and the truck slammed into the front left portion of my car.. Rolling up the hood, knocking the fender to the ground, and ultimately totalling my car.
It was a 1996 Pontiac Grand-Am, and since losing it I am now carless until I save up for another one.
Prior to that I had been involved in a few fender benders that required one or two visits to the dealer's paint shop, but the one big accident I was involved in was the one that ended up totalling my car.
It was also ruled my fault, as I was crossing traffic (as it should be). The truck's fender was pushed in partly, but no big damage that I was aware of. That drive in the tow truck to the station, with my car looking like a piece of shit dragging behind, is an image I will probably never forget.
Nobody was hurt in the incident, which is good, but it still really sucked pretty hard.
The real kicker? Despite me having no car, I still have to pay insurance every half year. Because, despite the fact that I have no car to drive, there is still a risk I will drive someone elses, or my parents (even though I have no desire/am not allowed to do either).