This was the first accident I've ever been involved in. It happened about two months ago.
I was driving in a residential area behind two old people, who were going about 30 in a 40. I wasn't exactly tailgating them, but I was close enough behind them that they should've known I was right there. There's a pretty big shoulder in the road, and they were actually driving in and out a few times. Finally, they pull in completely and brake. Naturally, I begin to pass, but then they begin to pull back in for a k-turn or something... no turn signal of course. I couldn't swerve into the next lane in time to prevent collision, so now my passenger door is dented, while they only got a scrape around the left headlight. We're in the middle of resolving this now.
I'd say it's slightly my fault, but they shouldn't have been dumb enough to attempt a k-turn with me right behind them without a turn signal.