One year ago, a car turned in front of me cutting me off while I was on a downhill (doing about 28 mph, slowed to 20). He slowed so I thought he saw me, then he went anyway. I flipped forward and somehow missed him. Trip to the hospital with a burst bursa sack the size of a baseball on my shoulder (thought it was broken), and bruised ribs. Treated and released. Helmet was crushed. Bought a new one which was quickly wrecked in the mishap described immediately above.