What about an accident where I was found to be at fault and the other party hired a lawyer? I was never issued a ticket, and the insurance company's dealing with the legal side of things. Could a non-fatal (though the other side's claiming injury, despite the fact there was an ambulance present and the individual in question walked off the scene just fine) accident in my college years really jeopardize my chances?
Will this show up in a background check? Here I was, going on my merry way and applying this cycle.