My last crash was at 38 mph descending a curvy mountain in northern Utah.
Harmonic vibration was the cause.
Managed to tuck-an- roll and break only the left humurus (shoulder) in 2 places. Bike was fine.
The cyclist behind me rode over me and cracked his helmet.
Oh, was only in my mid-70s then.
Had to pedal home as there is no cell reception there.