I went down in the Appalachian Mountains 2 summers ago.
Riding slow and I thought controlled; the trail was rocky with large roots. It took just a moment loss of concentration when I hit a root, the bars were wrenched out of my hands and I went down. Left arm was cut up and very bloody, left leg was torn up very bad. No cell phone coverage there and 15 miles from the car. I was very fortunate to have a real good first aid kit and so did my riding partner that day. I'm reminded everytime I see all the scars on my leg.
Last year the township was working on the rural road in front of my house. They ground up the old surface and widened it about 18 inches on both sides. The widened area was just stone in preparation of paving.
The road there is 18% grade and cyclists train on the hill, both up and down. Early Sunday morning I was having coffee on the front porch with my dog. A road biker came bombing down the hill, did not take the best line and he hit the soft new shoulder. Stopped him instantly, he went flying over the bars. He was fortunate that someone saw him, as this is a very rural area. He had a compound fracture in his shoulder, bone sticking straight through his jersey. Blood everywhere. I loaded him and his bike in my pickup truck and ran him to help. He was very concerned I'd take his 13 pound bike to his house.
Both of these were rider error. I consider myself experienced and I know the other guy was as well. Accidents happen to anyone. It takes me a lot longer to heal these days. Even a deep cut can take a long time to heal. It hurts to fall down