I went from age 16 to 23.5 without incident, then had three in the past 4.5 years, all of which I was 100% not at fault.
First one, driving home from work on a Friday afternoon, one of the first nice-ish days of spring in late March, and I decide I'm going to blast some of my favorite back roads on the way. Slowing down to make a right turn onto said back road, off of a 55mph state highway, I catch a momentary glimpse of red in the rearview mirror just as I am initiating the turn and next thing I know I'm sitting in someone's front yard. Pretty much everything aft of the C-pillar in my e36 destroyed, and the front end of the Tacoma was pretty mangled as well, but miraculously we both walked away. Guy must have been hauling ass and totally spaced out, because he wasn't anywhere close to me when I started slowing down for the turn and barely left any skid marks before the point of contact, when there is a good quarter mile or more of clear visibility leading up to the intersection.
Second one, also driving home from work, this time on a Thursday evening around dusk in early November, on the same 55mph state highway as before. There's a brief section where it opens up to 4 lanes at the intersection with a divided highway, and I'm traveling in the right lane with no one immediately beside or behind me. There's a guy in a Ford Transit Connect sitting at the off ramp waiting to make a left turn across my path of travel who decides he's going to go for it when I'm <100 ft out. I had two options: 1) brake and stay in the right lane, trying to slide behind him as he shot out across the road or 2) brake and swerve into the left lane, hoping that either I could make it out and around in time or he would panic, hit the brakes, and come to a dead stop in the right lane. I chose* the latter because traffic was stacked up behind him on the off ramp and I feared the first option risked collateral damage. Unfortunately, I chose wrong and hit him hard enough in the driver's door to put the Transit Connect on its side and total my Camaro. Took a good bump to the head myself and went to get checked for a concussion, but fortunately the other driver walked away unscathed.
Most recent one was this past February, exactly 18 days after I bought my FRS. On my way to Chik-Fil-A for lunch, sitting at a redlight in a busy, heavy retail section of the town where I work, in the left lane of a 4 lane divided road, about a car length back from where two turn lanes split off to my left. I look up from messing with my radio to see headlights coming down the wrong damn side of the road, up the turning lanes. I'm boxed in on 3 sides, but still do what I can to quickly scoot over to the right, but the Subaru still managed to clip my driver's side rear quarter panel before taking off up the road. I'm dumbfounded for a second before the light turns green and I whip a u-turn at the intersection to try and chase down the prick. Unfortunately, he/she was long gone in any of about 5 directions, so I gave up by the next intersection and pulled over to call the police. They were never caught, but hopefully karma gives the E36 M3head a hearty ass-raping with a dull, rusty, AIDS-infected dagger.