On December 17, 2009, I was riding down a bicycle trail. My ITM carbon fiber fork simply came unglued on one side and the other broke off dumping me on my face and knocking me out for over 5 minutes.
The riders with me called the ambulance which took me to the local emergency hospital. They treated me only for some facial wounds and released me after 3 or 4 hours.
On June 24, 2010, I became conscious of myself. It turned out that I had some sort of glandular damage and no short term and hence no long term memory from the time I left that hospital until someone finally called my brother who took me to a neurologist who took a single blood test and prescribed a couple different drugs. My brother made certain I took those drugs the night before and I awoke "me" the next morning.
I got into all sorts of trouble during that time. For instance - although I only drink a glass or two of wine with dinner upon occasion and perhaps a single beer every great once in awhile,I was arrested and jailed for driving drunk and wrecking my car. I wrecked my car AGAIN apparently while driving to a doctor. That put me in the hospital for a week and some sort of recovery home for senior citizens longer. And YET no one discovered this hormonal problem!!!
Because of the California limits on medical malpractice no lawyer wants to pursue such a case as mine so I have no way of recovering any of what I lost because the hospitals and doctors didn't pay attention to my case properly.
My advice is to be sure you're carrying insurance for EVERYTHING and to ride steel.