Sounds like a bicycle insurance company is much needed here.
I've had many minor accidents. The scariest one took place just before Independence Day of this year. As I recall, was talking while adjusting my handlebars and didn't quite tighten them enough, the day before. The following day, I was flying down Divisidero Hill towards Market street when suddenly I hit a crack in the road. My front wheel went into some miscellaneous direction, while I tried to keep my handlebars straight. I immediately flew over the handlebars as my bike followed me downhill. As I was landing, I heard the long screech of auto brake pads squeeze into auto rotors. I looked up to see a Mini Cooper's bumper, just an inch or so next to my head.
I suffered a dislocated shoulder, a hematoma on my right calf, badly scraped knuckles (should have been wearing my gloves), and a severely bruised ego!
- Slim
PS.
It's funny how we humans would rather sacrifice expenses to keep our health intact. That's no matter what the expense and no matter how minor the discomfort.
How much money would you be willing to pay, to rid yourself of a toothache?
I'd gladly ruin a pair of eighty dollar gloves to save my skin!