Well...I crashed at low speed, falling off the bike more or less sideways. (I braked suddenly to avoid a car that pulled out from the curb and torqued the front wheel to one side in the process. I was on the ground so fast I didn't even realize I was falling.) I landed on my shoulder and shattered it, resulting in two surgeries, 2.5 months of absence from work, and seven months of rehab. It could just as easily have been my head that hit first. Low speed does not mean you can't be seriously injured.