Smokin' hot actress Rachel Sterling and her "Dancing with the Stars" BF learned the hard way ... jerking the steering wheel while someone else is driving is never a good idea.
Rachel's considerable assets have been seen on "True Blood," "Entourage," "Wedding Crashers," "The Man Show" ... the list goes on, thankfully.
But back to the story ... law enforcement sources tell us, Rachel and Damian Whitewood -- an ex-'DWTS' pro -- were driving in L.A. Thursday night when they started arguing.
We're told Damian was driving, when Rachel made the bright decision to yank the steering wheel in anger ... causing him to crash his Toyota Prius into a Ford Escape.
Cops responded, but since there were no injuries and little damage ... no one got a ticket, and insurance will settle the matter.
Rachel and Damian's reps had no comment.
Anyway ... here's Rachel soaking wet in a bathtub. You're welcome.