I wouldn't let it worry you too much. Sooner or later, almost everybody is involved in an accident. I had mine almost 3 years ago. Was driving a light truck (basically a ford ranger rwd) down a gravel road at night, going about 30-35 (it was well packed and the posted limit was 35). Went around the last curve before the road became paved again and had one of my drive wheels blow. Now this truck was rather squirrelly to begin with - the steering was loose, the suspension was bouncy, and you'd lose traction all the time in the rain. Going 35 on gravel when a tire blows - forget about it. I managed to keep it under control for at least a hundred feet, fishtailing pretty good, then the rear end finally caught up with me. I did a 180, slid backwards and to the side a bit. Had the road been flatter, I would have been fine and slid to a stop but unfortunately, the road had a gravel berm a foot or so high on either side and when my truck slid into this, the berm stopped the bottom half from sliding any further and the whole damn thing tipped over onto the driver's side. I wasn't moving very fast anymore at that point but there was enough momentum that the truck just rocked, went past that point of no return, and crashed over.
I had a couple passengers at the time but nobody was hurt. One guy went to the hospital and got a sling for his bruised shoulder. He wore it only at parties for the next month...I guess it helped hold his drinking arm up, pluse he got sympathy from the ladies. I was lucky that somebody came by soon after. He was probably in his early 30s and really helped calm me down. He said he had a similar accident with a similar truck when he was about 19. It happens. I called the cops to report the accident. One came out and took some measurements which he apparently did not write down (the judge later informed me there were "no details" included in the accident report). He wrote me a ticket for careless driving with the explanation "I'm here. There's an accident. I have to do something." Ass. I got several of my friends to come out there and help me tip the truck back over (CREEEAAAK-THUD!). That whole side was a mess and it wouldn't start. The oil was a couple quarts low - turns out it was in two of the cylinders. Doh. Didn't bother calling a wrecker. Who needs to spend $250 on a tow when you have a friend with a Jeep and a $5 chain from Walmart?
I went to court for the ticket and pleaded "guilty with explanation". The judge prompted me with "Did a coyote run out in front of you or something?" I explained it and he gave me supervision (no other tickets for 90 days and this never happened). Had insurance fix the truck, it cost about 6 grand. My insurance has gone up as a result but it's still not TOO awful. I've been paying a little less than $150 a month for full (liability, collision, comprehensive) 300/500 coverage with a $500 deductible on what was a brand new $20k car, purchased about 4 months after the accident. It's high, but could be worse for a 23 year old single male with an accident (or a pimp car). Haven't had a ticket before or since. I actually adjusted my auto insurance today and one of the things they asked was whether I had any accidents in the last 3 years, so I imagine that your rates become fairly normal if you have 3 years with no accidents or tickets.
Aside from that, somebody hit my car (the new one I got after the truck) in a parking lot and didn't leave a note. It was a nice scratch along both driver's side doors. Turned out it would cost over a grand to fix so I just left it. I didn't feel like paying half the repair from my deductible, or having ANOTHER claim on my insurance. I also figured it wouldn't make the car worth a thousand bucks less when I traded it in. Accidents happen, all you can do is live and learn.