I had just made a u-turn -- so I know I can't have been going very fast -- when a spider dropped from the roof of the car and landed on my nose.
Naturally, I flipped out.
I must've leaned forwards onto the gas, because when I went onto the curb and hit a tree, the car was completely destroyed.
It didn't cause any injuries, really. Scraped arm where the airbag popped out. And of course the spider was transformed instantaneously into a pulp. :-P
I get to spend the rest of my day dealing with insurance, and that sort of crap.