egads!
My one crash (knock on wood) occured when I heard an annoying clicking noise. Looked down to determine what it was and ran into a curb. Flew of my bike to the left.
The end result was a sprained wrist and road rash on my left leg. My wrist was so bruised it still hurts a month later. Not horribly bad.
The clicking noise was my left crank hitting a sensor for my cyclocomputer. Fixed with about 2 secs worth of work. That was really worth it.