I ride almost every day, crash-free...but a few years ago I lost it when my front tire got wedged between the sidewalk and the grass, spilling me onto the sidewalk (I felt like I busted a rib), and about a month later, I was riding through some sidewalk/street construction and my left handlebar got clipped by something, and once again I slammed onto the ground (without injury), and left a good-sized dent in my helmet (I don't usually wear a helmet, it was just my lucky day)-

My philosophy is: "if you ride a bike enough times, sooner or later you'll fall off"