I guess there are exceptions to everything.

Once I did the "Climb the Kaiser" riding event. It wasn't a race but we did get timed. 155mile with about 13,500 feet of climb. Starts in the central valley of California, head east into the high Sierra. Being at the height of summer, the trick was to get to the foothill before the temperature skyrocketed into the 100s. We also had police blocking off intersections so we could blast through the town at race speed.

Well every year it seems, they have a pile up near the front where the guys are jockying for positions. The year I rode, about ten guys went to the hospital with broken bones and what not. They were going close to 30MPH. Halfway through the ride, I caught up with one of the injured road warrior and he threw the towel in at just before the final ascent of Kaiser pass (elev 9200feet). We had a dreaded climb from big creek? to Shavers lake. sections averaging 12-15% grade. Poor guy had one of the biggest raspberries I've ever seen.

The two times I've shattered my collar bones, one on each side, I was doing around 30MPH. Speed definitely did not help with the slide. I just went smoosh-crunch.

The other extreme have been times when I forgot I was doing a track stand at a light, too busy talking with the guys, I fell over. 0 MPH, no scratch or scrapes. Guys forgave me for being a stupid woman.

I also know of a gal who broke her hip when she avoided a dog only to crash into a tree. She was going downhill around 30-40MPH. She did slow down considerably before hitting the tree.

Soo it's just matter on your luck and how you fall or crash.