I've had few close calls, they are easy to come by in specific environments.

Typical situation - tight winding mountain (but well paved) roads to some remote villages where even basic small European cars need to slow down to walking pace to meet and pass, sometimes one has to reverse, very curvy. You go down, in your lane as much as possible, and behind some tight curve there is a) extremely slow cyclist; or b) somebody/something stationary, while in opposite direction there is at the worst place incoming car, also oblivious of the danger till last moment. Even rather slow driving won't magically remove all possible cases. Then its a question of hitting opposite car or that obstacle, and you have a split second to act, not really to decide.

Quick reaction and good brakes on both sides can save it, but there is a lot of room for disaster. Add truck/bus to the equation to make it more juicy where you pick your/your family possible death or that cyclist/stationary folks.