I would also stress get it checked - *damaged* carbon is always a risk.

On the other question - is carbon more risky in general than other materials? I'm skeptical about that. Do I know people who've had carbon break - for sure. I also know people who've snapped aluminum cranks and handlebars. One strong guy I know has suddenly snapped not one set of alu cranks, but two.... OTOH, I've crashed my carbon bike several times (in races and into a car!) without any problems.

All frame materials can break - my husband has snapped the welds on a steel frame and broken right through the chain stay on an aluminum one (another fellow I know has done this to two steel bikes - he's a big guy). A woman racer I know has totaled two ti frames - one bent and one cracked. I've personally had 3 different aluminum wheels fail (parts of the rim blow off...) while riding them and a teammate had one go on a team ride too. I also bent a steel frame... though that was able to be bent back.