I am a female and was involved in 2 accidents. Both were NOT my fault. One was minor: another car was driving in the middle of a narrow street; he (yup, it was a MAN) hit and broke my left mirror. OMG, he was sooo mad at me, and it was not even my fault !!
The other accident was a major one. It happened 26 years ago. I was driving to my work on a, icy-cold winter-morning. Suddenly, the road was covered with a huge layer of ice. I lost all control of my car, and bumped onto a big tree on the other side of a very busy road ! The car was total loss, but I didn't have a single scratch. I still don't understand how it was possible that I wasn't hit at all. The car looked terrible, and only 1 door could be opened: mine! I must have a very special guardian angel!!!
Oh, a "little" detail: I was driving my dad's car, as I didn't have one yet .