Luckily I haven't, but since I've been riding my bike to work I've had a couple of close calls.
On my way back from work tonight I almost got a 'left hook', where a driver turns left without checking their mirrors and turns into you. For you guys who drive on the right hand side of the road, this would be a right hook. I slammed my brakes, as did he, but then proceeded to call me various things and sped off. I've had a few scary moments on my bike, but this was the closest I've been to getting hit.
I rarely drive now but I used to quite a lot. On the M6 once I was driving next to an Alfa Romeo full of twats who were weaving in and out of traffic like it wasn't there. They almost hit me quite a few times as they drifted across lanes like they were in GTA. It was a busy motorway and how they didn't hit someone is beyond me. I braced for impact on a couple of occasions. It was the most dangerous driving I've ever seen.
Have you ever been in any accidents or had a close call on the roads?