I have had four - the other guy alway got the blame.

:
- Sleepy neighbor pulls out in front of me on my street as I "pulse & glide" to 30. (defensive driving could have avoided it)
- At the mall during sundown, country driver pulls into the boulvard median without checking traffic. (should have been going slower)
- At dawn, senior citizen does not stop in time on the freeway. (probably could not have avoided this)
- Driver rear-ends me stopped at an intersection. (only way to have avoided this one was to have stayed at home in bed.
)
I could have avoided the first two for sure. Fortunately no chassis damage was done and my Insight checked out fine on it's 90,000 mile service warranty maintence.
Having a small silver car seemed to be a factor, as it is harder to catch (does not excuse my agressive driving in #1 & #2).