I've been in two major accidents. One I was the driver, and the other a passenger. I totaled someone's car "following too closely" and I take all faults for, since I didn't brake on time.
The other one was harsh. It was Christmastime as well, so that really hurt. I was with my dad as a passenger and he was making a left turn and didn't see the vehicle that hit us. His eyesight isn't as good as mine at night, but that's no excuse because I didn't even spot the vehicle that hit us until after he started to turn. Anyways we were hit and I noticed my humerus was broken the moment I tried to move it, and my shoulder moved but my elbow did not. I was in an arm sling for three weeks and then a brace for four weeks. I lost time away from work, and missed out on a convention due to the inability to drive.