Even with all the forum posts that pop up seemingly daily, I never thought it'd happen to me. We had a brief break in what's been many days of continuous rain here in Nor Cal, so I popped the bike off the trainer and went out for an early morning ride. Just as I was finishing it up, less than a mile from home, a guy blew right through a stop sign and broadsided me. I had enough time to slow down, but not to avoid him completely. Luckily for me, he was making a turn, so he'd also slowed down considerably. Luck is the key word here, as I was knocked completely off the bike, went up on his hood, and slid slowly down to the pavement. By some miracle, I'm pretty much unscratched, although I think I may end up with a bruise or two.
It was dark, but the streets were well lit, I had a bright CygoLite in the front, a bright LED blinky in the rear, light clothing, reflective helmet, and reflective patches. The guy says he just didn't see me. (No mention of the stop sign he ignored).
The bike took a bit of damage, but I'll not know the full extent until I have a chance to look it over once I'm home from work this afternoon.
I'm thinking that today I should play the lottery, and see if my lucky streak continues.