Yes, I've had two (2) minor fender-benders while en-femme. The only accidents I've been involved in since I was 17.
What are the chances?
Not only that, but both occurred at the same intersection, about 200 yards from my house.
Number 1) I was stopped behind a young woman who was about to make a left turn who was parly in the intersection.
She decided to back up without looking in her mirror. I thought omg, she's going to hit me, and tried to honk my horn, but it was too late -- bump!
We both pulled over and exchanged ID's. I said "I look a little different in the picture", and she just gave me a look and said "Oh, I thought maybe you were" and wrote down my information. She called me later and asked me to let her brother in law fix it at his body shop. So I drove over (boy mode) to his shop and introduced myself. He gave me a queer look, with a little half smile, but it was all business after that.
Number 2) I was in the right lane at the same corner. There was a van to my left. The van decided to make a right turn from the left lane -- scrape! Off came my bumper.
Now I was a total pro, and wasn't even a bit nervous. He took my info but couldn't resist giving me a good wolf-like top to bottom appraising look. He did accuse me of sneaking up on him, and said that he was signalling (he was not).
This one took photos, detailed diagrams, and a vigorous defense to get his insurance company to cover it, but they did. Nothing was ever mentioned about my presentation, although the other driver must have told his insurance adjuster.
Nothing like mixing it up with the real world, right?
-- Diane