Been driving approx 15 years,
1) My fault, driving my Managers company car - turned right off a small sideroad without indicating after spotting a parking space - hadn't seen a car appear from behind and then try to overtake me ...was spretty minor though
2) My fault, very dark, going too fast, hit standing water at the bottom of a hill and ripped the front bumper off my Escort Van - scary moment, again, pretty minor
3) Not my fault, hit up the jacksie by a white van on the M4, conditions were icy and he was quite simply too close, I had to brake because someone pulled in front of me, he couldn't stop, again - minor.
1) My fault, driving my Managers company car - turned right off a small sideroad without indicating after spotting a parking space - hadn't seen a car appear from behind and then try to overtake me ...was spretty minor though
2) My fault, very dark, going too fast, hit standing water at the bottom of a hill and ripped the front bumper off my Escort Van - scary moment, again, pretty minor
3) Not my fault, hit up the jacksie by a white van on the M4, conditions were icy and he was quite simply too close, I had to brake because someone pulled in front of me, he couldn't stop, again - minor.