In my case, a car accident: I was rear-ended on the freeway coming home from work today, only about a mile and a half from my apartment.
Ironically, this part of the freeway was bone-dry--clear of the snow and shielded from the wind that had made most of the previous 18 miles pretty treacherous.
This is what happened: suddenly, on a sharp, dipping curve that forks into an exit, all the cars in front of me braked, hard. I braked, too, missing the car in front of me by perhaps six inches. The car behind me? Not so much with the braking. Must've hit me at 45 MPH.
No real injuries, although the other driver's car was totalled--both of her airbags deployed and she crumpled her entire front end and shattered her windshield in two places. My car's quite drivable, but she ain't pretty. And I can already tell that I'll be sore tomorrow.
Dammit to hell.