I had my first car accident about a month ago. I was getting onto an off ramp, and someone cut in several cars ahead so every car stopped really short to avoid an accident. I had to do the same, and I stopped just short enough to avoid hitting the car ahead. The person behind me didn't, though. They also were driving a big truck.

Luckily, the damage was minimal to bumper damage. The person claimed I hit the car in front of me and then she hit me, but fortunately the evidence showed otherwise in the damage itself, so I was put at zero fault. Additionally, a good friend works at an auto shop, so everything was fixed for free and without any increase to my insurance. :3