77% of drivers have been in at least one accident. Your chances of getting into a car accident during a 1,000-mile trip are 1 in 366.

The average driver will file an insurance claim for an auto collision once every 17.9 years. This means that if you obtain your driver’s license at age 16, you will likely have a crash by the time you are 34. This means the average person has 3-4 vehicle accidents over the course of their lifetime

Last time I looked the stats for a lifetime were

1% die in a car accident

10% serious injury in a car accident

Accidents 1 / 500,000 miles.

https://www.torquenews.com/14335/how-safe-are-tesla-vehicles...

I have been in a few accidents, none that serious so far.

I've experienced four or five, and most people in my inner circle have experienced at least one. Anecdotal only, but I'd contest the claim that "most people will not experience one" at least within places that have mandated airbags in new cars for the last X years.

Ironically, and somewhat supportive of the airbags analogy, none of the accidents I had were in cars that had airbags, or those that were, the airbags didn't / needn't deploy. There was one, however, where seatbelts were critical.

Most people will know someone who has experienced one.