I personally have never had something like this happen to me but I know a number of people who have had supernatural experiences.
One experience involved a colleague of mine - 5 people experienced it at the same time.
Driving along a road, (Eaglesham Moor Road, south of Glasgow near Whitelee Wndfarm) 5 people in car. It was dark, late at night. Suddenly someone jumps in front of the car right in the middle of the road, Driver slams on brakes, the "man" in the road goes straight through the car, temperature in car plummets to the point of frost forming instantly on inside of glass. Car Stops, they all jump out - no one to be seen anywhere. get back in car and get the hell out of there!!!
All 5 saw this, none of whom are religious.
Interestngly this happened near a junction that is renowned for car accidents...
I understand that many people flatly reject such things - but if someone does not believe in a spirit realm or indeed in a God they "must" reject them.