Only major accident I had was back in 1993 and I was on the way to work on a windy country cambria county road. There was a heavy ice storm the evening before, but the roads had been cleared and it was a bright sunny morning.
I had this old chevy celebrity, and just out of college no $ so it had really bald tires. I was driving the speed limit (45ish) coming off a crest into a left downward turning bend when I hit a spot that a penndot truck dumped WAY too much salt and lost all traction.
Went straight over the bank down the hill until I hit a tree square forward - it went halfway up my engine. No air bags at that point in time, but as I always did and always will had my seat belt on. Snapped by neck pretty good, but after a minute I was able to get out of the car and walk back to the road.
Never would have breathed another breath had I not been buckled in.