Thanks for all the reply's, it has given me some comfort to understand what most likely happened , although I am a little ashamed that it was most likely user error. I am 21, I learnt to ride 2-wheel at 5 and had been frequently riding for the last 2 years, I had thought myself more experienced but apparently not.


For additional information:

This happened on my ride to school that I had done more than 50 times before, it was a dry and frosty morning so I suspect no slippery surface at play. And I was braking less because of the speed of the turn and more because of the upcoming hazards (3 foot gap between 2 polls). It sounds like the braking caused my weight distribution to be off and caused the 'high sided' flip.

Below is a map of where the accident occurred, you can see the long straight where I gained too much speed, the long sweeping turn and the turn that caused the crash.
[Also that I had an option to turn the wrong way and let my speed die down and I didn't take it .]

http://tinyurl.com/7ce4zc7

For the record, I was using both brakes, I believe my rear wasn't responding as fast as the front and I likely increased my braking on both to compensate. Also I fully intend to get back on the bike, when my mother allows me to in 2013