I just almost had my first significant car accident. Wet roads. A guy on a motorbike riding in the opposite direction fell off his bike and in front of my car.
Fortunately there was nobody in the lane beside me. Fortunately my car handles well in the wet. Fortunately I was going about 6k under the limit. Fortunately I happened to be looking at him when he fell.
Fortunately. Very fortunately.
I'm a little shaken, though probably not as badly shaken as the guy who fell off his bike.