I've been in a couple, both were my fault. The first time, it was my second day of college and I was on my way to school. My car was giving me troubles so I borrowed my grandpa's Ford Ranger. I accidentally ran a stop sign and t-boned this guy that was driving his parents' old Chevy Astro van. The van was totaled and had to be towed, all that happened to my grandpa's truck was the bumper got bent really bad and the brake pedal snapped off from the shock wave of the impact.

Then a few months later, I was driving home from school when the car in front of me stopped unexpectedly because a kid was crossing the street. I was looking at something on the side of the road so I didn't see him stop in time and I ran into him. Luckily it was a 30 mph road and I was braking so there was no damage to my car and just a crack in the other guy's bumper. I got out of my car and started apologizing, the guy replied "Sorry? Sorry!? You ruined my bumper! We gotta call the law!" in this ridiculous southern biker accent. Then the cop that came was on a motorcycle, and I had to sit there and listen to them talk about Harley Davidsons for a half an hour while the cop wrote up the report and my ticket. I ended up getting my license denied for a month and my insurance was $150 a month for a while after that.