I nearly lost my windshield once to a piece of 4x4 that some idiot didn't strap down. It caved my entire front hood and shattered the grill. No, I wasn't following close, it was the speed at which it bounded. Lucky it didn't go THROUGH the windshield. Barely missed it.
I've been driving for just about 20 years and the two times I was hit both happened within the past five years -- right after I moved to Long Island, of course
Technically I've hit someone, they pulled out in front of me though. And then someone on their phone blowing through a 2way stop with my daughter in the car. And 2 really close calls, one almost T-bone and someone pulling out in front again. I've been driving for 5 years