No, i have not. Because i dont drive outside my limits, or my cars limits
I find that hard to believe. Very, few errors? Yes. Being able to compensate for errors by leaving a margin? Yes. No errors? No. With any task when human beings are the actors, no matter how practiced or skilled, there are going to be errors.
Probably the most objective measurement of the average competency of drivers, of any age, is the insurance rates. If you are young, inexperienced and stuck with the overconfidence of youth, your rate is high. If you're old, and suffering the infirmity of age, your rate is high. If you're somewhere in the middle, your rate is lower.
Mandatory, maybe expensive, retesting every few years or maybe after a crash or incurring a fine might encourage a more focused attitude to driving. Simply propelling a vehicle along a road is a fairly simple task once mastered. It's the other, unexpected, stuff that will get you.
Defensive driver training must help, particularly in the early few years of driving but any skill must be practiced so that it is not lost. That requires the correct attitude. Too few people have it. I suspect that more people contributing to this forum do have it than in the wider community; those who care about driving and want to do it well vs those who just want to get where they are going.
I have seen a very similar incident to the one Calaber described. A middle aged woman got her feet tangled up - wearing
very high heels; that's an attitude problem - and wiped out 4 (including her own) cars in a parking lot. Fortunately, no one was injured. People of all ages can do stupid things.
One of the Australian paralympians was a young woman whose leg was amputated when she was hit by a car while putting the rubbish into the waste bin at her place of work.
Actually, even as a pedestrian you can walk "defensively" near traffic. eg. I try to stand away from the traffic side of telegraph poles and sign posts while waiting at lights just in case.