Well, it happened to me over 3 years ago (Sept 2008), as I was a senior in high school who bought a used Camry from summer job savings. I got in an accident with 2 other cars on my way home, and being the last one in the accident, put at fault automatically. I had all insurance except collision repair for myself since my car was used, so my car wasn't covered and I took an $1800 loss. Since then, I've been attending a university an hour away from where I live without a car or insurance, since I don't need it. I plan on driving again when I graduate in June 2013, but I feel so distant from the feeling of driving. I stopped abruptly after a bad experience, and I don't ever want it to happen again. Is there anybody here that can relate with me?