I was hit by a car once, and I hit a car once (it was the drivers fault though). I was relatively okay both times, although I did go to the hospital when I was hit (and then left without getting treated since I ended up in one of the worst hospitals in NYC).

When I was hit both of my wheels got tacoed. When I hit a car (she pulled out of a parking space, drove around me, then pulled into another parking space 10 feet from the one she was in and cut me off - I ended up hitting her rear wheel as she finished parking and was left hanging from my pedals upside down between two cars) my front wheel got a little bent.

However the worst two accidents I have been in did not involve cars at all. The first one happened while I was training in the park. I don't remember any of it but I was told that a kid ran into the street and I hit him. I ended up with a concussion, chipped tooth and a broken nose. The second crash was during a road race - there was a pile up and I was part of it. My seat stay got bent and I ended up having to walk a mile to the finish carrying my bike, then walk another mile after getting off the train to get my bike home. The next two days I could barely walk and I was popping Ibuprofen for a week.