Had 3 in total. First one was my fault (2 days after passing my test) I pulled in front of a car trying to over take me on the A40 at Raglan. Didn't see it in my blindspot. Always, always look over my shoulder now. The other 2 were non-fault. Some twat rear-ended me on the M5 and another pulled in front of me at traffic lights on a country road in Berkshire.