I have not had CPS called on me. But I do have friends who dealt with that. In fact I know more people whose had CPS called on them than I do people who have been in car accidents. So it doesn't seem to be a super low probability event.
What also has me concerned is that my kids are heading towards puberty. Over 1/4 of all registered sex offenders committed their crime while minors. The single year of your life that you are most likely to become a registered sex offender is 14. It is massively more likely that they will have their lives destroyed that way than by an accident.
Most were before I was old enough to be driving.
5 of the vehicles were totaled, including the motorcycle.
Anyway I find it strange that some people have never been in one. I'm not sure I know anyone who hasn't.
A ford explorer in front of me on a 2-lane road going about 45mph turned into an apartment complex, then used their drive to do a big sweeping U turn back across my lane, and through a stop sign (for the driveway people turning onto the main road). I was 17 years old but I don't fault myself for not driving more defensively. The guy just turned into the apartments, when he swooped back out I swerved but it was all very quick. That's not something you're prepared to defend for until you've seen it happen, frankly.
The next one was very minor, but we had two left-hand turn lanes and we were approaching a traffic light. I was in the right-hand lane, with no cars directly in front of me. I had a red car to my left, and a black car in front of him. The light turned yellow, and the black car was going to stop. The red car swerved quickly into my lane to go around the black car, and he clipped the front of my car. It knocked off a light cover, but otherwise no real damage. He ran the light and did not stop. There was no time to react, he literally yanked his wheel over, and I could not swerve right anyway, as there were vehicles there.
On the motorcycle, I was driving on a two-lane road behind a large vehicle, I think it was an SUV. Someone was waiting to turn left in the opposite lane (so they wanted to turn across our lane). There were many cars behind me as well. The person didn't see me and turned after the SUV passed. They stopped halfway through the turn, by which time I had already put down the bike while slamming on the brakes. The bike hit the car and totaled, and I slid down my lane with virtually no injuries. I was fairly well equipped so I just had a couple of very minor scrapes. She had no insurance. This accident was most avoidable in theory. Perhaps I could have positioned myself better, and she might have seen me. But probably not. I could not have swerved around her, though, unless I anticipated her stopping halfway. If she didn't stop halfway, and I swerved right, I would have gone through her passenger window. If I swerved left, it was a head-on collision.
During all of the other accidents, I was not the driver.
We (rational Americans) are as perplexed as you are how that could possibly qualify.