OK, So I'm a noob and have just started communting 2 weeks ago but I am LOVING IT!
I just got a new Arkel Commuter Pannier and I have it loaded with a lot stuff for the ride home. About 10 miles in I cross a 4 lane highway and have to make a sharp turn to get back on the bike path through the forest preserve. It's a tight left hander ... no problem. Uhhh until ... I lean the bike in and all the sudden ... Rear Wheel goes Bye Bye. The damn pannier lifted my wheel off the ground. No more deep leans with a stuffed pannier! Luckily I was only going about 15 mph but of course I was infront of about 12 cars .  I don't think this is right, I think it was just the weight and too much lean[/edit]
Broken mirror, sunglass lens popped out, scratches on new Atmos Rabobank helmet, bag scuff, damaged jersey, cut finger, arm rash and shoulder rash.. It's not much but here it is, but at least now I'm in the club.