A local tandem was involved in a collision a couple of days ago and this is a posting of their accident report. The accident is typical - a driver turned left in front of them - but you have to read the driver's excuse in the last paragraph:
"Nothing too original about the accident, we were on a straight stretch of road, in a bike lane, slight downhill with a tailwind, >30 mph, when a car going the opposite way turned left in front of us. We hit the right front quarter panel, the captain rolled over the hood, destroyed the windshield with his shoulder and helmet and finished sitting on the ground just in front of the driver's side door. The stoker stayed with the bike on the passenger side of the car.
The captain bruised one hip/upper thigh and the opposite knee so couldn't stand up, but nothing significant above the waist, amazingly. The stoker fared even better with just some bruises. X-rays and CAT scans at the hospital found nothing broken. They looked very hard for more damage after they heard how fast we'd been going. A few days of pain pills and naps and we'll be fine.
The funny part was, instead of the usual "I never saw them, they came out of nowhere", the driver's story was that she saw us, she knew she'd be cutting us off, but assumed that as a bike we'd have to stop for her!! She said this to the cop and you should have seen his face, and the faces of the witnesses. My first thought was, "OK, that settles who's insurance is paying for this"."