I've only had one crash to date since I was a kid. It was the first time I'd ridden a bike in about 8 years, and it was my mom's 3-speed that had been in the garage for about the same amount of time. The brakes weren't fully functional, but I figured I'd just be riding really slow around campus, no big deal.

Between classes one day, I was behind a couple guys who were walking slowly under all this scaffolding (no, this was not the result of staring at the guys!). I was trying to keep upright without putting my foot down or peddling. One guy stopped, and the other turned and took a step to the left--and then stopped. There were people coming from the other direction, and people behind me. Scaffolding to my right, guy in front of me, guy to the left--I went for the scaffolding. Fortunately I didn't hit too hard, since I wasn't moving very fast...