I've been in a couple of bad accidents but wasn't driving for either. However recently I bumped into the back of some stupid fat bird who broke suddenly for no good reason and even more recently a bus clipped me when he tried to get round me going too fast. Luckily I had my insurance letter come through yesterday saying he's taking the full blame and hence I get it fixed for free.
The 1st bit of good news I've had a while.