Yeesh, sorry about the PP. I've only been in one accident. I was forced off the road by two aggressive pick-up truck drivers. The roads were slick and I spun out. Luckily, there was a grassy area so we slid on that before scraping along the median. Insurance covered the damage and I paid my boyfriend the deductible since it was his car and I was driving. I had to drive home from that trip a few days later, so it kind of knocked any fear out of me by necessity.