Sounds like a tempting fate topic to me...been lucky and not had too many accidents...many near misses, had a big one in a go kart a few years back, was in the middle of an endurance race over taking for third on a very fast right hander, I was on the outside when he decided to Schmacher me, kart spun a few times before meeting the tyres and my left hand side impacted the engine - bruised ribs hurt so much I couldn't get my race suit off without a lot of pain - got back on track to finish my stint though, caught him up a couple of laps later, he just finished his braking for the hairpin when I caught him, seems I'd forgotten about the braking bit, the impact slowed my kart so I could make the corner, his impact with the tyres ended his kart's race oh dear! - red mist great stuff! seem to recall the clerk of the course wasn't best pleased!
Road one was a near miss, in my old citroen BX I rounded a corner on a country lane a bit quick and found a queue of cars waiting for a milk tanker to back into a farmyard, hit the middle peddle and due to the momentum from the corner the car spun 360 degrees later I let go of the brake pedal, and somehow was on the wrong side of the road still going forward, so just shot past the queue of cars, went half way up the opposite bank to squeeze passed the front of the tanker, and waved thanks to the driver in the first of the queue of cars coming the other way...the sakes started about 30 seconds later!!!
cheers! Adrian.