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Did the seller state why he/she is getting rid of the car after only 15 months? The short term ownership would bother me more than the accident 10 years ago.
When I was looking to buy mine I stayed away from ones where someone owned it for a year and was selling or one that had 5 owners.
If the owner who had the accident kept and drove the car for an additional ~9 years, that accident probably didn't destroy it as a good driver. But I would want a new PPI to ensure there isn't a new, major issue causing the seller to bail on the car.
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2004 S
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