WASHINGTON -- Twice in the last few years a deer has hit my car.

Yes, I meant to say the deer hit me. The animals bolted from a wooded area into my path (only one survived).

Turns out a lot of the damage done to cars in this country isn't from colliding with another automobile. Two-car accidents make up less than half of all incidents, according to an analysis by CarInsurance.com, which provides insurance advice and online quote comparisons.

CarInsurance.com looked at data submitted by more than 42,000 car insurance shoppers. As shoppers compared rates for liability, comprehensive and collision policies, they reported their previous accidents. From that data, the website compiled its top "hit" list.

"We buy auto insurance because we envision two cars careening toward each other and screeching brakes," said CarInsurance.com managing editor Des Toups. "But more than a third of all incidents involve things like a parked car, the weather, vandalism, hitting animals or road debris."

The percentage of people who struck another car or were struck was about 45 percent. But here's a breakdown for other accidents:

-- Single-car accident: 7.9 percent.

-- Act of nature such as flood, hail or fallen tree: 5.8 percent.

-- Struck a parked car or tree: 5.4 percent.

-- Car struck while parked: 5 percent.

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