Almost everyone has that one wreck to learn the truth about themselves, i.e. that you are not superior and infallible. If you have followed the law, i.e.. insurance, fine, etc. nothing will happen. If you didn't learn the lesson, then it will get rough. If you are smart, you would take a course in defensive driving which is put more distance between you and other drivers and don't use the driving of others as a gauge for how you should drive.