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I crashed my first car when I was 19. Bald tires on the back, going around a tight corner on a canyon "highway", back end lost grip...my fault for trying to keep up with traffic, rather than driving at what I felt comfortable doing. Car was totaled, I was very lucky to be able to walk away. Lesson learned.
I haven't crashed since. I did rear-end someone in my mid 20's because, rather like your example, I didn't expect the car ahead of me to stop suddenly when the light went green. No damage done except the imprint of the bolts that held on his rear license plate on the bumper cover of my car. Don't really consider it a crash since there was no real damage, but it was a nice little lesson/reminder.
I've had the occasional close call when I misjudged the situation. Like I almost rear-ended someone when I came in too fast behind them and they stopped for the light, because there was grit on the road and slamming on my brakes only made me instantly skid. (I steered out of that one instead). Had similar issues in the rain, once in a blue moon. My "new" daily driver has ABS, thankfully, so that shouldn't be such an issue...I hope.
My usual, patient driving style means I don't have to worry about such things. Don't drive angry or impatient. Chill. Get home safe.
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