The first accident was sheer stupidity on my part. I tried to take a photo while riding the bike. I don't know what even made me think I could do that. I get off the bike drink water.

I am not sure what happened on the second ride. I was about fourth of 14 and apparently I collided with a walker. (That's what I was told). I am not sure how it happened because we ride fairly close together and I know wasn't passing anyone.