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Wreck = watch out
A small fender-bender is never really an issue, but anything that involves serious damage (frame, airbags, etc.) will usually haunt you for a looooong time.
A friend of mine has a '97 BMW 528i that was in a horrible ($7000+ repair) side-impact accident almost 4 years ago. A month ago one of his main axle-to-chassis bolts (I forget the name, but it was about 6 inches long and an inch in diameter) sheared - the mechanic said in 20 years of servicing BMWs he'd never seen that happen. Two weeks later his front right lower control arm just split in half... I know BMWs have their issues (we're on our second), but these kinds of structural issues have got to be at least partially related to the wreck.
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