The worse accident I was ever in was when I was 16. I was skipping church with my mom's van. What I usually did was take off while my parents were in church. I'd stay home or drive around for a bit until their church time was over, then I'd go back and pick them up. They never knew that I was skipping church... until this day. It was time for me to go back, so I headed out. As I was leaving, I came to a stop sign. I looked both ways, but I guess I wasn't paying much attention. A car drove by and I hit the side of the car. No, it wasn't a huge hard hit... it was more of a light tap and I barely felt a thing. Anyhow, the other car drove out of control and ran into a wall. I panicked, but managed to calm down enough to back up and stop. I went to check the driver of that car and it turned out to be a woman who seemed like she was in her 50s or something. I got ticketed for having expired insurance, which was then waived when I showed them that I already had current insurance. The woman sued my insurance company. I ended up paying the city for the damage made to the wall... approximately $1,300 to $1,700 (I don't remember). The ironic part was how this woman had a little help. It turned out that this woman was the mother of some hot shot Texas lawyer that everyone sees on television. Yes, it was the mother of Jim Adler (James Adler)... the man we all see on television commercials. Eek! My insurance skyrocketed after this accident. Because of that accident, I ended up having to pay $400 for insurance... a month! After years of being documented as accident-free, my insurance has finally gone down to $50 to $70 a month. Whew!