Only story I have like that is an old co-worker (a VERY annoying one at that) that fell asleep in the back of a truck with the ext. cab. He fell asleep with no seatbelt on in the cab section. Supposedly his friend fell asleep or wasnt paying attention when he hit head on. Dont remember much detail about the whole thing, but I do remember he said the only reason he survived was because he was asleep at the time and basicly because his body did'nt tense up. I dont know if the driver survived.
Anyway enough of this sad stuff, read the story once and that was enough for me. But one thing you have to remember is a famous bumper sticker * Happens. It may be a slight fender bender, or it may involve something alot worse, but sometimes you jsut can't do anything about it.
EDIT: Oh yeah, only time I REALLY got smashed up was in a mercury mystique doing about 45 mph down 29 when a young (16) year old girl pulled out in front of me, I dont remember the impact, just opening my eyes to a bunch of smoke and a crushed in dash. Supposedly I was up and wondering around aimlessly after that. I got the pics somewhere. Ripped her red sunfire apart, tore the right wheel off, completely caved in my mercury.