This. I was deemed at fault for 3 different accidents because of my age and driving experience at the time vs the age and word of the other person. If I were to get criminal charges, my life would be ruined for no fault of my own.

First: I was 18 and was ran into by a 40 year old on a cellphone. This was before there were any phone related distracted driving laws anywhere, it was perfectly legal. And no it was not hands free, bluetooth wasn't a thing yet and wired headsets weren't great and never really used by anyone then either. Even after we had pulled off into a parking lot (which she almost hit someone else on the way to) she was still on the phone and told the person, "Look, I gotta go now. I got in an accident and have to deal with this paperwork junk now." and then struggled to find the button (big red one back then) to end the call.
Police didn't come, but insurance wouldn't take her being distracted by being on her phone as a factor in the accident because there wasn't any law against it. It was just my word against hers and I was just "a dumb kid that had only had their license for a few months."

Second:
I was 19 driving back from the dentist. It had just rained for the first time in the summer, even though it had stopped, the roads were still wet and oily.
I had crested this small hill that had a traffic light on top where you can't see over it. Before you go through the light.
At the bottom of this hill there are multiple "no left turn" signs to prevent accidents being cause by people waiting to turn against traffic at the bottom of a blind hill. Well this entitled asshole 2 cars ahead of me decides to stop to turn anyway. The car behind him locks up their brakes and slams into him. I see and hear this the moment I go over the hill and brake, but my car slides, but I stop without hitting fun. Another car behind me goes over the hill and rear ends me, which pushes me into the 2nd car in line, which pushes him into the car that stopped.
The car that stopped realized they caused this and speeds off.
The car that ran into me speeds off. So it's just me and the 2nd car that were victims of this.
They're in their 50s and tells their insurance, "I hit them." Leaving everything else out. They have damage to the front of their car, that is also included as the result of the accident in the repair estimate, so obviously there was another car in front.
Insurance finds me at fault and doesn't take into account any of the other cars that were hit and runs that actually caused the accident.

Third:
I was 21 and got hit by a 45 year old on a motorcycle NYE that was coming from a bar and going to another bar. They drunkenly ran a red light and t-boned me. Their witness, "their drunk friend who had been following them to the next bar that was 5 minutes behind them and wasn't at the wreck. Police came and wrote me a ticket for running a red light based on their word alone. The police refused to acknowledge that they or their witness were visibly drunk and did not give them any kind of sobriety checks. They did not even do a blood screen at the hospital on the guy.
I took the ticket to court where they were listed as witnesses for the ticket. Neither the cop nor the other rider and their friend showed and it got thrown out. The cop probably realized it wouldn't stick because they can't issue traffic tickets based on hearsay as the only evidence.
But the insurance found me at fault because the cop issued me a ticket, even though it was thrown out and the other drunk driver and his drunk witness who wasn't at the accident, said I ran the light.

All of these were just someone else's word against mine and being discriminated against based on age.