I'm into my 2nd year of riding, about 8000-9000 miles, hundreds of rides but 3rd ride with a Garmin and 1st wreck. I'm not 100% sure of exactly what happened because my brain seems to have blanked out a few of the seconds but I'm pretty sure I was just coasting on a deserted road toward an intersection where I was going to turn around with a drink bottle in one hand while looking at the Garmin data. This is the hazy part: I saw a stick in the road, heard a tire noise and instantly was on the ground. I don't remember the transition at all.
I remember hitting though, on my right shoulder and arm, on the asphalt. Thanks to the Garmin, I discover I was doing only 14 and cadence zero. Another 5-6 mph and that would have been a hospital event. As it is I'm sore, freaked and bloody well skinned.
Maybe it's a relatively cheap lesson in paying attention, it could have been a bunch worse.