I haven't had any crashes, but I did develop a serious health issue leaving me with brittle bones. My oncologist said my days of riding bikes were over. I asked, "Because I could crash and die?" He answered, "Worse. You could crash and NOT die."

He recommended that I check out recumbent trikes. I bought a really nice one and it's the best money I've ever spent. Get one with e-assist so you can keep up with your friends. You can still crash it but you'll really have to work at it.