I hate to admit it, but I've been in 6 since I started driving around 1964. Rear ended twice now, last time right in front my current house, resulting in my old car being totalled. The worst was a head on by a drunk in 1975 while stationed in Ft. Bragg NC. I'm here to talk about it, so it could have been much worse. Luckily, I was only in the Emergency Room a few hours, but have had minor pains in my back and neck ever since. The latest was just last December, drving to work and got Tee boned in the passenger door by a young lady distraught over her separation from her husband who didn't see the red light or have any insurance. The head on in '75 was also by an uninsured driver.
One was really my fault, in May of 1967. Street dragging and lost it. I too didn't have insurance then and learned a huge lesson. That was also my last traffic violation, so I calmed down alot after that, lesson learned. Now, if only all the drunk drivers would learn theirs.
Lew W