I have not yet had a flat while riding. So far, my only flat was while I was inflating my tire and the pump got stuck on the valve and I pulled it....yeah :P

I have to say, I'm quite terrified of the idea of getting a flat tire while riding. So, here are my questions: what is it like to get a flat while you're riding? What should I expect? Does it usually result in injury?

Currently, I only have a road bike with 700 x 23 tires. I have also never experienced a flat tire on a car.

Thanks!