I hope I don't jinx myself. I have been in 1 minor accident that was not my fault. I was proceeding through an intersection when a high school boy (who had just gotten his license the day before) stopped at the stop sign but decided he did not want to wait for the traffic to go through. I could see him coming and I said to myself....he going to hit me....and sure enough he did. He took out the entire back side of my car. I think he did just under $8,000 in damage to the car.

My husband on the other hand has been in two very severe accidents that were not his fault. The first was just after he graduated high school and he had pulled into the bank parking lot when a car came down the hill at 65 mph in a 25 mph zone and broad sided him. His passenger seat was in the back seat of the car and the passenger door was out in the road. I remember this because I saw it happen...I was in the bank.

The second was just after we were married. He was traveling down the road when a woman driving a van has stopped at a stop sign and she thought he had a stop sign too so she figured that my husband was going to stop.....only thing was he did NOT have a stop sign. She plowed right into him causing his car to be turned in the opposite direction. His seat belt malfunctioned causing him to hit his head on the passenger side of the window....cracking the window and suffering back and neck damage. His back and neck have never been the same and that was almost 10 years ago. The woman had no insurance, spoke no English, had 15 people in her mini-van and the mini-van did not belong to her.