Haven't been in any accidents I'd class as severe or even anything to talk about.
Going back a fair few years, I was in my mums Mk2 Golf GTI approaching a round-a-bout, we had to stop because of traffic coming around the round about. A man in a Citroen ZX comes up behind and fails to see us stopped (dark grey car + road = hard to see??) crashes into the back of us, albeit not hard. His car was worst off - quite badly infact, the damage to the Golf was the lack of a rear VW badge.
Going back two or three years when my mum had a Landrover Freelander. Similar sort of thing, we're sat at traffic lights, young-ish girl in a Nova pulls up behind, all seems well and then for some reason the sound of a revving engine and then *bang* she collides with the back of my mums Freelander. We loose a plastic light gaurd that we later stick back on with super-glue, Nova had a cracked grill. Didn't even ask to see insurance details because the damage was that small.
Then the latest, my mums boyfriend reversing the Mk3 Golf out of a parking bay, he forgets that behind the parking bay there is a lamp post, he reverses straight into it then to add insult to injury he think's he's hit a curb so gives the car some beans in reverse again and hits the lamp post again (lol?). We get out, the bumper has a scratched, the back of the rear quater panel looks a bit iffy and the boot isn't lined up correctly but we drive home anyway. Get home, quarter panel is in it's normal position and so is the boot. The car fixed itself.