I have had falls for various reasons. The worse occurred 7/4/2003. I had ridden 36 miles to Huntington Beach to watch the 4th of July parade. After was riding home (the ride total was around 50 miles) when I slowed for a red light. I didn't notice that in the bike lane there was a mound of asphalt. I was going so slow that the bike just went sideways and I was launched over the bars, landed on my head and knocked myself out, continued onto my shoulder breaking my collarbone. The whole adventure was not good. I ended up in the hospital disoriented, sweaty, in icky bike clothes. Had I been speeding and ran the light I wouldn't have fallen. Oh well.

PS: I had surgery November 2005 to repair the collarbone fx which did not heal and also now have a permanent brain injury - fun huh?

And yes I am an experienced rider. Never fell as a newbie.