I've only had two road bike crashes in 25 years of off and on (mostly off) riding.

1) 1992. Coming down a long hill in Marin County - somewhere near Tiburon I think. I don't really remember how it happened, I think my front wheel hit a big stick or something, but I laid it down at close to 40mph. Only damage to the bike was my front wheel tacoed. Damage to me was total road rash on my entire left side.

2) 4 years ago on a group ride. My then girlfriend brought me along on a ride with a bunch of people she knew. Towards the end, she surged up from behind and then next to me on my right. Then she started to try to sprint ahead, and changed her line and cut me off, making my front wheel hit her rear. I did a full endo over the bars at about 20mph. I did a perfect flip and stuck the landing flat on my back. It tore my jersey, but there was no damage to bike or me.

The first words out of her mouth were on the order of "that wasn't my fault, you should be more careful" instead of the more normal "are you ok?" or even "Oh my god, what happened?". She was only concerned with not looking like she did something wrong. In hindsight, this was a blessing, because her instinctual reaction was an omen of things to come. She got dumped not to long after that.