When I was 15 I cut class with an older friend, and when we left town, she let me drive her car on a rural, gravel road.
Well, to make a long story short, I stupidly began swerving all over the road, lost contol, and the car landed in the deeper of 2 ditches. Neither of us were injured, but the front of the car was totalled. So, someone drove by and picked us up, and we returned to school, where were punished for skipping class. We decided to keep the car secret between us for quite a while, as it would have been worse off for both of us if we told our parents what happened. They did find out eventually, but nothing happened. I did some REALLY stupid things when I was a teenager.
That is the only accident I have been in to this point.