Well, X-plane handles landings and crashes in a bouncy way, with no collision detection for trees or buildings, either.
But there have been a few cases where a pilot of a light aircraft has fallen asleep from exhaustion or become unconscious because of pressurization failure, while the plane runs out of gas and lands itself in an open area. :o
BTW, to get the most out of sims, if you're not a pilot, check out Hal Stoen's
tutorials.
J