A doctor once told me there is no health problem that isn't better if you are healthy and strong when it occurs. My most serious accident, about 15 months ago, involved breaking my pelvis in 3 places. It was 2 months before I could ride a real bike any distance although the rehab guys put me on a stationary bike in about 12 days. That I could ride although I couldn't walk without crutches. Accidents will happen to most of us, but the healing process is very different based on fitness, how much extra weight we carry, and our willingness to do therapy even though it hurts. So I take better care of myself than I did before the accident, meaning more stretching, more core strengthening and some upper body work and I am far less likely to take the joy of riding for granted.