Well, you just jinxed yourself.

I've been in three; A roll over when I slid off the road into a ditch.

A single vehicle fender bender when I messed up a fender and a quarter panel skidding on a slippery patch going over a mountain pass.

And a minor collision when a guy forgot his turn and came to a dead stop. No damage to either vehicle aside from the coffee that slopped all over my cup holder from braking so hard.

but have you ever been out of one?

Never say never...