A couple of years ago, I was on my way to work and this little dog came out to chase and bark at me. I just ignored him. Then the little $**T ran right in front of my front wheel, tripped me up and caused me to endo. Probably one of the worst crashes I have ever had.
Then it ran off, and I never did find out where it belonged. Destroyed a Ultegra shifter and skinned up my forearm pretty good. I was lucky.
Moral of that story; never underestimate a dog. Even a little one.
Fast forward to last spring, I was rounding a curve on my commute like I was in a friggen race or something. It had rained the night before and there was some silt runoff from a construction project. My rear wheel slid out from under me. Miraculously I recovered without going down somehow. There were cars not too far behind me...and I bet I looked like a monkey ******* a football. Feet came out of the pedals, and the only thing it seemed I had control of was the seat.
Moral of that story; be cautious when rounding a corner. Especially if you live somewhere close to the beach, or somewhere where they put sand on the roads for ice/snow.