Been in two, in my car, and two in my partner's car.
Mine:
First one was a drunk. Completely on my side of the road, and had a head-on collision. My airbag went off, but I was fine. She survived, but she trashed a car with commercial insurance (i.e. most likely a company car) and got escorted off by the police, so I can't image her life taking a turn for the better after that.
Second one was my fault. Thought the car would go onto the roundabout, it didn't, I was going a little too fast to stop. Driver wasn't too bothered about it, I took the blame, so that got sorted fairly fast.
First one in my partner's car was when he got a pair of new trainers. He told me to look at them, and he unwisely looked at them at the same time. A car was turning into the golf course we were passing - I made a funny yelp noise as I looked up and saw the stationery car. Unfortunately he couldn't stop in time. D'oh.
Second one... same thing happened to him. He was stopped to turn, and a car who wasn't looking shunted him up the rear. Fortunately the guy knew he wasn't paying proper attention and accepted fault.
Minor incidents: Reversed my car into a bent pole that used to be a gatepost in a carpark - made a hole in my bumper from the sticky out bit :/
Partner bumped into a post in a car park. Was kinda daydreaming, and it surprised me. Made a bit of a scratch on his bumper.