I recall my first accident. Happened almost the exact same way (I would have been the guy in the truck). Thank God it was an orchard tree I hit and not another car. I don't know what I'd done if I'd hurt somebody over something that stupid.
I thank god that the only accident I was ever part of was of my own making, and that no other cars were involved. Thankfully totaling my car and getting a couple of scratches on my wife's (then girlfriend's) hand was the extent of the damage, but I know it could have been much, much worse.
The only accident I've been in was caused by a guy in a truck, only he was on a cell phone... the car turned over, but luckily the only lasting damage is that I get slight, occasional pain in my shoulder.
The car was one of the old MR2s, with the bars along the top. I don't even want to think what would've happened if the roof was down...