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Is this a major concern? How often are people in accidents on average? I supposed one day this could happen to me. Or hopefully I wouldn't get unlucky and have a normal experience in this case. Regardless, I just haven't needed much body work over the last 15 years at all.

I assume this issue is improving too.

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I had two minor accidents in 12 months, so yes, it's a major concern. If I were in a Tesla, it would still be drivable today, but something about having a car that is too expensive or hard to fix is not something I like or need.

The discovery I have made is that timing commutes away from rush hour does more to prevent accidents than anything else.

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