Well I have had five quite serious crashes and no not because I am a bad driver but because I use to drive up to 60,000 miles a year and most of the crashes were other people fault, for two of then I was stationary and hit head on by the other cars.
First serious one was within nine months of passing my test when I turned a blind bend to find myself facing a van coming towards me on the wrong side of the road, I managed to avoid the van but ended up upside down in a ditch after bouncing off a tree and rolling the car.