Never had and accident but did have equipment stolen...
Was in Oz several years back and some scum broke into my home and made off with the cameras, lenses, enlarger, negatives etc...
Alerted as many 2nd shops as I could in a 10km radius, gave serial #s and description so the morons were nabbed within a couple of days. Got most of the equipment back but the dickwads threw away all the negatives because they didn't think it had any value... ;(
Lost 20 years ... have never fully recovered from that incident... :cry: