So here's my crash story for today.
I'm cruising down a main walkway (about as wide as a 2-lane road) at my university. I am cruising at a pretty good clip so I don't arrive at work late, but not too fast because there are some pedestrians around. Well all of the sudden a guy riding a bike appears in front of me. I mean, I swear he was teleported from the Enterprise right in front of me. Really though, he pulled out of a small path that runs perpendicular to the one I was on without looking. Of course by the time the impulses from my brain hit my muscles I could barely squeeze the brake lever before I slammed into his back wheel. I get pitched right over the bars and land hard on my right shoulder. He sticks around a bit to make sure I'm okay (nice guy), and apologizes. The flock of on-lookers mosey on to their next class, and everyone is fine (well except for me rubbing my shoulder). The kicker is the guy I hit didn't even fall over!
My bike: Just fine. It may have acquired a few more scratches, but it's an older Cannondale mountain bike made for abuse.
His bike: Also fine. The back wheel might be a little out of true, but nothing obvious from just looking at it.
Me: Very sore right shoulder, kinda sore right ankle, miscellaneous minor scrapes, and a scratched up carabiner that I keep my keys on.
Ahh, fun day at the university. If I would have been paying better attention I probably could have burned off a little more speed before slamming into his back wheel a little further rearward. Maybe, just maybe, I could have seen him before pulling out and anticipated him cutting me off. Oh well.
The lessons re-learned, always be watching, and always assume people will cut you off.