Not an accident but real close... back in high school buddy and me decided to go dove hunting behind his house. He had got a brand new 870 Wingmaster for Christmas the year before but had broke off the the silver piece that feeds the shell into the chamber while trying to unload a stuck shell with a screwdriver. We're standing in his car port and he's trying to load the gun and it goes off. The blast barely missed me but blew a hole in his dad's brand new Bass Tracker aluminum boat. After I gathered my wits I figured it was time to go and we never dove hunted that day...