I have to disagree with the prior commenter. "I (you, he, she, it, we, they) met with an accident" is perfectly correct. If you google it, you'll find hundreds of thousands of links to the expression. The present tense is "meet with an accident." Example: "I'm going on a trip tomorrow. If I meet with an accident, please notify my family."

I had an accident is the correct sentence, the second one has no meaning

I had/ got an accident. correct. I saw an accident, correct. I met her in an accident. correct