My first Volvo was a 1984 Volvo 240. I was driving home late one night and a deer jumped right out in front of me and scared the crap out of me. I swerved off the road and hit a big oak tree going 45 MPH. I dented the bumper, but besides that the car (and myself) was fine. I swore by those cars for years because of that.
I really don't worry about myself driving and getting into an accident - I worry about my wife. I have freakishly good quick judgement skills that I worked incredibly hard on after I swerved off the road and hit that tree.
