I've had three good crashes in the last 15 years and managed to walk (ride, actually) away from each of them with no more than some good scrapes and a couple of broken helmets. One was when a bunch of us were helping a friend move by bike (so towing trailers) and I got tangled up with another fellow. The second was when some kids decided to throw a recycling bin at me. The third was a hit and run when a car decided it could beat me to the corner and do a right turn ahead of me. I was extremely lucky each time. I was going pretty fast in each case and it happened in my head pretty fast as well -- fast enough that I never got an arm out which probably kept me from being injured further. Sorry to hear about your shoulder and finger. Hope you heal up and keep riding.