You will fully understand what nerves after after your first wreck, as a passenger or a driver. As a passenger I have been in three, all fairly minor. As a driver I have been in one and while I was "at fault" per the law the police fully understood the accident but they were going by the books.
I was coming out of a manufacturing area at a stop sign, had fully stopped and then proceeded forward. At the same time out of a blind corner another car came and the rest is history, no one was seriously hurt, cars were damaged and insurance companies were called. The sad thing is this happened in a very tiny town (one stop light, everything else is yield or stop sign only), the town has petitioned to have a stop light at the intersection but for some reason it never passed.