Wow.
I had to think really hard about it.
Once, I had chest pain when running on a treadmill. Boy, do they take you in fast when you say "chest pain" - and I was only about 32 y.o.! 'twas nothing...a pulled muscle.
Second time...car accident. Was driving home from VT across NH in an icestorm. Phone rang...looked down at caller ID...did NOT answer it. But taking my eyes off the road got me out of the tire tracks of clear pavement and onto ice. Spun my truck and flipped it on the other side of the road. Had a nice shiner but otherwise was fine. I was more worried about my bunnies who were in their pet taxi beside me. The local police took them back to the station. Fortunately, they were fine, too. Whew!
BTW...the caller was my BF, now DH, and he feels terrible about it to this day!
Only bike crash that really injured me...I didn't bother going to the ER. I was up in the sticks of NH, and none was local, so I iced my injured knee and ultimately had surgery to repair it when I got home.