I've had an accident.

Meaning

I've been involved in an accident.

Examples

• John: '<b>I've had an accident.</b> My car is totaled.'<br>
• Alice: 'Are you okay? Do you need help?'
• John: 'I'll call an ambulance right away!'
• Alice: '<b>I've had an accident</b>. I slipped and fell and I think I've broken my leg.'<br>