only incident I have had in over a year of commuting was when I was riding wrong way on the sidewalk. never do that. even then, I only got scraped up a little. your route makes a huge difference.
__________________
"Think of bicycles as rideable art that can just about save the world". ~Grant Petersen
Cyclists fare best when they recognize that there are times when acting vehicularly is not the best practice, and are flexible enough to do what is necessary as the situation warrants.--Me