My first car accident I was a kid riding with my mother and I don't remember it, if that counts. Neither of us were injured.
My first car accident as an adult was pretty serious. I was in the right lane, going around a slight bend, and approaching a car in the lane to the left of me to pass. As I approached, a car on the opposite side of the road made a left to cross the road I was on into a side street. The driver made the turn in time to miss the car to my left, but since I was passing the car to my left left me blind to the crossing car, and I smacked right into it at high speed after only a second or so of brakes when I realized I was going to hit it.
My car was totaled. My seat belt didn't lock nor did the air bag release so I slammed hard against the steering wheel. Luckily, I had only minor injuries. The passenger of the other vehicle was killed.