Off the top of my head, I have, at least twice.
1.) Several years ago, I was driving on an interstate through Arkansas, entering a construction zone, speed down to 50 or so. A car driving in the opposite direction plunged into the meridian (which I didn’t see at the time), swerved around a bit, then veered into my path. The car continued its veer left to cross the road in front of me, but I swear I didn’t miss it by 10 feet*: I didn’t have time to hit the brakes until after I had cleared it. I pulled over to the shoulder to let my heart relax, and saw in my rear-view mirror that the car had changed directions again and was now determined to hit me from the rear. Fortunately for me, it stopped short.
Had it hit me head on, or had I T-boned it, I wouldn’t be here.
*The gravel spray kicked up by the car cracked my windshield.
2.) More recently, I was driving on a country road in central Illinois during the harvest season. A combine, despite the lack of visibility due to standing corn, turned into my path, ignoring the stop sign at the intersection. He finally saw me and stopped, but the snout on the combine head was past the centerline of the road.
Had I been 100 yards further down the road, the snout would have been in my ear. I assume with a bad result to the combine; but far worse results for me.
So, anybody else have heart-stopping moments to share?