Yeah, mine was definitely my own stupidity. On my third date with my (now) wife, I took a sharp corner going way too fast, on a wet back road, driving a deathtrap (Geo Metro.) The car ended up skidding 270 degrees, and we wound up ass end in a ditch. During the spin out we missed a tree by a couple of feet, if we had hit it I'm thinking one or both of us would have been killed or at least seriously mangled.
Afterwards, I pushed the car out of the ditch on my own (it was a Geo.)