The classic for me was several years ago. Angharad had just left to go out but came back after a few minutes with a very sheepish / worried look on her face.
"I hit something with the car" she whimpered.
"Argh ... what?" says I, thinking the worse (ie. damage to the car).
"The other car !"
Yes, she had managed to hit my company car with our car and put a scratch down both of them. The silver one had a green scrape and the green one had a silver scrape (and dent).
She is now leaning over my shoulder as I type this saying "tell them we lived in a narrow street and I had to reverse down a small gap"
So, the moral of the story is (apart from take the keys off her NOW) ... however bad you think things are at first, give it time - it will probably be much worse when the whole story unfolds.