Never totaled a car, I was in an accident where a small truck was totaled and I was the passenger, I wasn't hurt, but somehow the my jeans on the tops of my thighs were completely shredded without my legs being scratched at all (original Levis, accept no substitute).
I was in about 4 accidents before I was 21 or so when I was the driver, I was only at fault in one of them, where I very stupidly discovered that a slant six Valient has enough power to break grip at the rear around a tight corner in the wet, and I hit a telephone pole.
Went about 10 years with nothing further, then, in a hurry, I foolishly assumed the car in front of my was proceeding from the stop sign as it rolled forward to turn right, he stopped, I kept looking back at traffic. That was at about 30 or so. Flash forward 20 years, no accidents, then a lady backed her SUV into me in a parking lot.
The fact of the matter is, even those accidents when I was clearly not at fault, I could have avoided by paying more attention and driving defensively (the exception, when I was stopped at a light, traffic all around me, and a lady rear ended me, I saw it coming, and creeped forward a little in hopes she could stop, she ended up pushing my Sprite into the car in front of me, so I got it front and rear) One time I was going through a very fresh green (when young) anticipating the light, when a guy ran a red as it had just turned and it hit me, not my fault, but avoidable, same thing with the lady in the SUV in the parking lot, yes she backed into me, but had I been more attentive I would have caught it sooner.
I have tried to impart this lesson on my young son, as my dad told me after the guy ran the light and hit me, that there is more to driving than following the rules of the road, you have to be aware of your surroundings and anticipate problems, can't avoid everything, but you can avoid a lot of stuff, even stuff when you are not "at fault".