Another cyclist, twice, both times a touch of wheels in the pack, both times me on the floor, I rode on club rides for years with no incidents at all then touched wheels twice in the same summer, and since that Summer no incidents. I've also hit a dog, I had a very old bike with a headset that wouldn't stay tight so I had Alf at Pollard Cycles lock it down so it wouldn't move, all was well for several weeks then I had a dog run into the side of the front wheel and then it wouldn't stay tight again so I had to give it back to Alf so he could lock it down again. I've also had three minor bumps with cars.