I've driven thousands of miles -- Swedish miles -- and I've only been in accidents twice; the first time I drove off the road shortly after I got my license, but I wasn't hurt and the car wasn't badly damaged. The second time was a couple of years ago, when I was involved in an accident with a MC driver. It was at least half his fault, since he drove too fast. I was found "guilty", though, since I made a left turn, and had to pay 600 SEK in fines.