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@user16171
Three times in 8 years...
1st time got left hooked by a driver who decided to mount the pavement to drop off his passenger. 0 bike damage. 0 injuries. Laptopin my bag written off
2nd time got run/pinched off the road on OKR and into the back of a parked car. Cuts and bruises, wrote off a steel frame.
3rd time... Forward dismount at speed while off roading. Hospitalised for a good while.
First two were confidence building really. Lead to a better understanding of risk and ramifications. 3rd was just sheer misfortune.
Actually, I did hit the deck on ice pretty badly once an all. So 4 in 8 years.
Biannually.