Worst fall ever was during a race..... Badly fractured femoral neck, split helmet, ruined watch, $750 damage to my bike.

Worst commuting fall (of my own doing; sort of)..... front tire was apparently going flat, although I didn't know it at the time. Part of my commute was on a little connector trail between two roads. In the middle of this trail was a fairly short but sharp drop with a 70 degree turn right where the drop bottomed out. Front wheel went out, and bam, right down on the same hip that I'd broken a little over a year earlier.

Worst commuting fall (not of my doing); Van took a left while I was trying to go straight through a green light. Head hit the side of the van, my front forks were ripped into 3 parts, front wheel mangled. Mostly I was ok, but I didn't have my cell phone, and I couldn't make my brain recall anyone's number to come pick me up. Finally conjured up a buddy's # and he came down to snag me. I was a little foggy for a few days, but could still eat and dress myself. Can't say for sure what role my helmet played in preventing a more significant head injury (some things you can't know), but personally, I was glad that I was wearing one.