I've been in 3 & I have been driving 7 years. I didn't get my license until I was 19 since it wasn't necessary when I was in college. Saved on insurance...
The 1st one was not my fault (rear ended) but the other 2 were. The second one I hit the gas thinking it was the break while in reverse & smashed my back end into a pole at a gas station (Thank the Lord I didn't hit the actual dispensers) the 3rd one I lost control when I hit a huge muther f'n pothole filled with water & ran my car into a sign & the owner's truck of a greenhouse.
Yes, both were pretty embarassing. I've taken specific pre-cautions since!