I can believe it. I've only ever had 1 major accident (not counting deer). I rear ended someone and I still don't know how. It was on a bright clear straight road I'd driven down hundreds of times before. I had no distractions that I can remember. I know for sure my phone was in my pocket because I remember having to dig it out with a mangled finger after the crash. I wasn't in any rush. I leave more space behind other vehicles than most people do. All I remember is driving like any other day, suddenly noticing brake lights, and then stomping on the brakes far too late.

Thankfully it was only 30MPH and nobody was hurt except me. All I had was a peeled finger and a seat belt bruise. Still don't know what actually happened that caused me to not notice. I bought a dash cam immediately after that.