I had my third crash in a year a couple of weeks ago.
The first crash was last November. I was riding through a sandy wash in the Tour de Tucson (the second wash, for those that know the ride). The sand caught my front wheel and twisted it. I went over the bars and landed on the back of my shoulder.
The second crash was in late January at a crit. I was following a teammate to the front of the group on a straightaway at the start of the last lap. Someone heard the last lap bell ring and jumped for the sprint (thinking it was the end of the race). They jumped sideways into my teammate, who went down in front of me. I ran over him and went down too. This one knocked me out for around 15 seconds and when I came to I had no idea what was going on. I was taken to the hospital but in the end there was little damage to my body except a fractured nose, a concussion and minor road rash.
The third crash was a couple of weeks ago. We were supposed to be doing crit practice but there was a concert at the park we were going to use. We decided to do some paceline work instead. With a pretty stiff crosswind, we were in a single echelon going between 28-30 mph. The pace slowed slightly and I rolled up a little bit - too much it turned out. There was a gust of wind from the side. The people in front moved slightly to the left, but the guy in front of me (#3 in line) swerved pretty hard to the left and clipped my front wheel. Down I went. Hit my head again, but I was just a little fuzzy afterward. Mostly road rash, but ground one of my knuckles down quite a bit. Skipped my next race because of it. I actually have video of it here: http://youtu.be/6anYkG1XNfw
So what is the max number of crashes you've been in during a 12-month period? I know some crashes can be avoided and some can't. Looking back, I could have probably avoided all three with appropriate caution. Did they discourage you? The latest one has been pretty disheartening. I've been told by the more experienced cat 2 riders that it wasn't my fault, but I know I could have been a bit quicker on the brakes to ensure spacing instead of rolling up. Then again, it seems there's always SOMETHING that could have been done to avoid a crash.