Yes, during a race. I was doing a fabulous job avoiding a crashed rider who was sliding sideways in front of me on his back. I was braking hard but very controlled and angling to avoid him. The problem was the riders behind me were physically pushing me forward so I hit the guy in his midsection and over the bars I went. I tucked and did not let go of the bars. This resulted in me coming down on my head and right shoulder. I fractured my clavicle on landing and the force drove my elbow into my rib cage and gave me some really pleasant fractures there as well. I got up and finished the race (42 minutes of joy) and then my Wife drove me to the hospital. I have gone over the bars goofing off in front of the kids but that was harmless.