One of my worst crashes was when my then-boyfriend (a lawyer) was showing off trying to jump cattle guards and fell into me - on top of me at about 20mph.

We had to call a friend to get us because our bikes were trashed and I couldn't walk. On the way back into town, he meekly asked "Are you going to sue me?"

I replied "H*ll yes! And I'm getting your ex-wife to represent me" (she is also a lawyer.)

Although I was kidding, he went down to my favorite LBS, gave them his credit card number and said "whatever she wants..."

Being a believer in karma, I just settled for a new helmet, new shorts and a few replacement parts for my bike.

I also broke up with him.