I've never written a car off but i've had 2 accidents, the first was an oncoming idiot on a VERY narrow dusty tarmac lane in norfolk, i was going at about 40-45 mph in my 205 and she was going at about 65 in a vauxhall bus-thing, she jumped on the brakes hard (ABS 'judder marks' for 90ft) and i decided to get out of the way and went up the bank, not quite missing her, cost her about £2000 and me about £5
, the next one (skoda this time) was when some prat in a 4x4 decided he'd had enough of following a skoda so he overtook me in the stupidest place he could find, and ended up pulling in on me while jumping on his brakes (i love that one) and caused me to give him a little tap (ok, shunt) on the bumper, he would have tried to kill me too, if i hadn't been 6'4" and seriously pissed off.
they've all taught me one thing tho', the safest drivers are the ones that account for others' stupidity aswell as their own.