I didn't drive until I was about to turn 25. I tried when I was about 23 or so and I was a nervous wreck despite not having any problems in the mile or so I drove.

A year and a half later, I tried again and I was fine.

I have been in 2 very minor wrecks -- but neither weren't my fault. The first, a girl t-boned me in a parking lot. I was able to talk the cop into writing a paper of his opinion of what he saw, since he couldn't do am actual traffic report since it was on private property.

A few years later, an older lady ran a flashing red light thinking it was a 4 way stop and it wasn't, and I t-bond her. It was a simple 'failure to field' traffic violation for her. I had a yield, she had a stop. She entered the intersection as I was about to cross it when she shouldn't have, causing a crash.

Both were very low speed fender benders, but enough to "total" the old cars I had, but I kept on driving them after getting about 80% of the insurance payout value. No injuries either time. Both times I saw it coming and tried to avoid but couldn't.