Gator - The Smart has a NASCAR style roll and impact cage designed to activate the crumple zone of the other vehicle. It would, however get punted down the road like a football and be totaled! Check out the little thing, it is really pretty safe. I like the 41MPG, and I don't have to take it out on the freeway to get that mileage, that is my average City MPG. For rough stuff, I take the Land Rover or Grand Cherokee.. As for "What if you're in an accident?" I equate it to being on a bike... Helmet is just a bit bigger!!