Never been in an accident, but my bus driver did almost crash today... we slipped into the other lane and the bus was completely sideways. It was scary!
There is an thread really similar to this one already: http://www.beamng.com/threads/worst-crash-youve-been-in-irl.32579/ Although it doesn't specify to include close calls it still includes crashes people have been in.
It was around 2011, me and my mother was going entering an on ramp and once we reached the top she hit an ice patch causing the SUV to skid across the entire highway with an 360 degree spin to top it off. If there were guard rails in the median most likely we would have slammed into them. BTW we still have the same SUV.
