I've in a total of five, three where I was the driver, two where I was a passenger.
The first one was when I was 7. My mom was backing out of a parking place at the store, and someone pulling into the store wasn't paying attention and hit us in the right rear quarterpanel leaving a minor dent (Was a 1970-something VW
Beatle, so the car was able to take a low speed accident fairly well.)
My first accident as a driver was in March of 1994. I hadn't even had my license a year. I was coming home one afternoon, and I rearended a woman stopped in the middle of the street wanting to make a left hand turn. She didn't have her turn signal on, and I tried to brake, but it had just started to rain, so the street was a little slick. I got the ticket, but my insurance company decided that based on the eyewitness accounts, that she was at fault for not properly signalling. When I went to trial on the case, one of the witnesses told us after the case that the woman I hit had been harassing them to change their story. It evidently worked on the other witness, as his testimony in court was the opposite of what he told the insurance company. We probably could have appealed the decision and potentially had this kid (he was like 17) charged with perjury, but decided it really wasn't worth it.
My second accident as a driver came less than two months after the first one. We had gotten my car back on the road (My stepdad was a mechanic, so him and I fixed the car over the course of about 4 weekends [One of the best things about older cars is that you can easily replace most of the bodywork]) a few weeks earlier, and I was on the way to class one morning, and was waiting to make a right hand turn (I was waiting for traffic at a yield sign). The guy behind me wasn't paying attention and rearended me. The only damage to my car was a bent in back bumper and some associated pieces. His car took a worse hit than mine.
The only other accident I was a passenger in was on the AirTran employee bus one night back in 2000. The bus (a big white bus) was stopped at a stoplight to leave the airport when it got rearended. Unless you are drunk, how can you not see a big white bus at night? The car that hit us was pretty screwed up. It took forever to even get the police and fire there because they had to figure out whose jursidiction it was. Eventually, units from the City of Atlanta (since it was technically on the airport property, Clayton County, and the City of College Park all ended up there. It pissed me off, as even though most of us on the bus were alright, we ended up sitting there for around 90 minutes until the cops let us all go. Of course, a few of the employees milked the accident for as much as they could. One guy, who was seated in the row behind me on the opposite claimed injury, and we were in the front of the bus. This guy milked his injury big time; he was a ramp lead at the time, and using his "injury" in the accident, was transfered into Operations, and eventually into recruiting.
My last accident happened in March of 2004. I was leaving work one night after having been on a business trip the entire day (drove up to Nashville with one of the supervisors and managers to order product from an account that was about to reopen) when I got hit in the left front quarterpanel. The wreck happened about 7 in the evening and was raining, and the guy that hit me didn't even have his lights on. Thankfully, there was a cop parked in the parking lot of our building (One of our drivers accidently set off the alarm right before we got back from Nashville) so my boss went and got him. The guy that hit me claimed he had his lights on, and keeping telling the cop (and myself) as such. I told him, "If you had your lights on, I would have seen you and we wouldn't be standing here right now." He finally admitted to not having his lights on after the passenger in his car told the cop. He got the ticket, butI was the one that ended up getting screwed. His insurance company claimed that the wreck was my fault because I was making a left hand turn, and the fact that their client got the ticket meant nothing (The cop told me the reason why I didn't get the ticket was because of the light issue.). My insurance company at the time felt that the wreck was the other guys fault, as he was the one who got the ticket and he was the negligent party. The insurance companies went to arbitration, and since his insurance company was one of the major companies, and mine was a small company, they had the better lawyers and won. The worst thing about it was the guy at State Farm that was handling the claim was a complete asshole to me everytime I talked to him. The woman at my insurance company told he that he acted that way towards her.