I've been rear-ended twice, once by a hit and run driver who was still driving on the previous owner's plates. That took a while to settle even though I took his plate number and immediately reported it. The other time was by an auto parts delivery truck driver who was day-dreaming. Not a good way of drumming up business!
On other occasions, a bag lady stepped right in from of my car at a freeway entry ramp, a drunk stepped out in front of my car on Christmas Eve. Both were knocked down but otherwise unhurt.
Another encounter was a driver on my left deciding to make a right had turn in front of me into Macdonald's.
I took a defensive driving course to try to anticipate any future encounters. So far so good.