Well, we were simply stuck by a car on the right handside where I was sitting. It didn't stop at the crossing. I was informed by the gendarmes that the last accident at that very spot was fatal for the guy in the passenger seat, so yes I guess I was lucky.
I don't know how long it took to to cut the metal around and get me out of the car, but to me that was long, painfull and stressfull. I wish I would have lost consciousness...
The fun part : I have no health insurance (I think I can treat myself) but due to the seriousness, the french social security takes most of the bill (17k Eur for the first 2 weeks in the hospital, includings drugs/surgery/exams etc. the next bill should arrive soon), and the car insurance should cover the difference.
That's what I like about the french system: while you are taxed on your income (variable rate, capped near 50%, everything included), if you have serious medical problems, everything is paid for you, so you won't go bankrupt.
However for small stuff, you pay between 100% and 40% of the bill, which can be covered by private health insurances (mutuelles)
Guylhem