1. 1 major accident, happened only last month, my driver side doors(front & rear) were crumpled. I only had 2 accidents for the past 6 years, different cars, both involving a taxi. 1st accident was a hassle coz walang insurance, last accident was ok, no injury sustained and the car was insured, both doors were replaced.

2. Yes

3. Yes

Always pray before and after driving, pray for guidance before you start driving and thank Him after driving, it would help keep the bad luck away :D