I've never been at-fault in an accident but have been rear-ended three times in the last 5 years. The last two times, the other vehicles were both at highway speeds or close to it. First time the Jeep swerved at least so they glanced off my rear bumper. Second time an older F150 plowed into a Toyota Sienna which then plowed into me. Annihilated my car even with a 4500lb minivan buffer. edit: All 3 times, I was either at or coming to a complete stop.
Cars are dangerous. I take driving very seriously.