I've been in 2
One when some twat was speeding on the wrong side of the road, I drove round a corner, saw headlights on my side of the road, swerved and bam. The clio looked like the delorean from BTTF.

Second time someone cut me up and scraped my front bumper.
( Maximinimus you stick around I'll make it worth your while, Fri 22 May 2009, 13:43, archived)