I have only had them 2 in 26, all in a zd
A car pulled out in front of me down a country road where I was enjoying 50mph, so I was slowing down then a stupid lady pulled out, she just went through a stop junction thinking it was ok I may have been ok but suddenly she noticed me and jammed on the brakes wtf. I swerved passed her on the left, she had also pulled out in front of a car on the other side of the road so had to go on the grass verge, a quick bit of off road traveling at 30mph. Lucky that I was slowing down or I would have flipped the car over as the verge was at an angle. She was done for dangerous driving.
Second one I was overtaking someone who was plodding at 40 down a 50 only to find a shovel right in the middle of the road as I was passing them, too late for me to do much than go over it an hope for the best.
One last scare was last year going to the airport on the M6 early morning, following a car and the plonker went over some steelwork, he must have seen the thing before he went over it I herd a bang from his car saw the metal work and lucky nothing was in lane 3 so I managed swerved but ran over it just on the passenger side wheels and I thought oh not again. I overtook him and noticed a fair bit of damage was done and he began slowing and getting to the hard shoulder. Got to the airport (was only a few miles away) and checked for damage nothing worried a bit on holiday but all was ok.