My last one was all my fault. A week ago was riding home at night from a group ride on a very familiar route. 20mph or so, no hands on the bars just relaxing chatting to another rider when I hit a missing area of pavement that I have never seen before as I took the lane to cross to the bike path. Went down hard, right elbow and knee came down first, then the bike, then my head hit the pavement. Had a helmet on which has been tossed, and the arm and knee are recovering with a horrible scab. Before that, I don't remember the last time I wrecked. Assess what you have done, what you could have done, and what you should have done.