i too had an accident with a child/predestrian. i was pedaling along, doing ~18-20 mph and there was a dad/child holding hands right on the center yellow line of the 2 lane road that goes through a lazy/sleepy downtown area. the dad checks for cars only and doesn't see me coming (years ago i was a bit more shy about 'taking the lane' when then there was no other traffic coming) ---> the dad darts out and crosses the street leaving his 8 year old girl standing on that yellow center lane line. he crosses and says "no cars/all clear" while motioning 'come here' with his hands-->and the girl looks both ways, hesitates while the dad is calling for her to run to cross. as i am seeing this i am thinking/knowing that she isn't going to run right into my handlebars on the left side.
she ran right into my front wheel - it was surreal. it happened so fast yet in slow motion.

i took some evasive action (on such short notice) and flipped over the top of my bars. i hit my helmet near the temple of my left eye and it split (the helmet) i just kind of layed there, rolled around to look at the girl. she was just shaken up with some scrapes. the dad was apologizing to me and saying it was his fault.

i rode off and felt just sick about it for weeks afterwards. i've never came even remotely close to a situation like that again.