Having had three major accidents in the six months from last Nov - May this year, let's just say that an accident is going to happen, whether you want to or not. The more you're out there, the more exposure to factors beyond and out of your control. A sad fact but true.
As for helmets, and while this particular accident (the second one) didn't matter if I had a helmet or not, I'll post it again, from my accident in March:
