Only been in one accident which was caused by mother nature, since it was hailing, raining with 10 - 20 cm film of water on the road with ice from the hail so my car aqua plained down the hill into a bakkie which I didn't damage at all but my car got damaged in the front.
I was only going under 40 km/h in 2nd, but the slope downhill was quite steep.
I have avoided many accidents where people jump red lights or yields/stop signs, since I always check the side roads before moving.
I had a similar experience..heavy hailstorm and the guy stops 50-100m before a robot...right after a mudslide.so natually i try to break.fail epicly.and turn to try take the curb rather than hit his car full on..managed to just clip the back corner of what turned out to be a rental car...1 crack on the bullbar of my parents truck.his boot,tail light and bumper were trashed.
So they old dude climbs out of the passenger seat holding his back like hes got whiplash.and i got to see if he is ok, and i notice he has a crutch and his daughter in the middle of back seat, is not wearing her seatbelt... I immediately stopped sympathizing. Then the butthole keeps trying to get me to admit it was my fault.told him id rather speak to my lawyer since i don't believe its my fault...
once i get to the copshop they told me to not contact the retards, so when they phoned a few months later while i was sleeping at 11am