It started with Dad’s Mustang on your sweet sixteenth. Then came 21 and a scratch on your shiny VDub.

After smashing Sis’s car in the driveway (hello, blind spot!), you admitted your shortcoming: You are highly accident prone.

So is Shandi Levy, though her luck may be better than yours. After mistakenly tangling her old scarves, she was inspired to start Shantilly, a collection of twisted vintage scarves tied to antique gold-link necklaces.

Levy scours markets from New York to Miami for color-popping pieces. The necklaces, bracelets, and belts are grandma hip and make for great draping, doubling, layering, and (dare we say) flaunting.

So the next time you cause a pile-up, don’t be so hard on yourself.

It could be an accident waiting to happen.

Available at Jade, 1557 North Milwaukee Avenue, at North Avenue (773-342-5233); Samantha Chicago, 64 East Walton Street, between Rush Street and Michigan Avenue (312-951-5383). To see styles, go to shantillyjewels.com.