Few years back I was riding down a twisty urban road and a lady driver with her friend in the passenger seat came up behind. No safe way to overtake imo as there was oncoming traffic, yet she squeezed past me with a couple of inches to spare. As she drew level, doing not much more than my speed (I was keeping up with the traffic flow tbh) her front passenger side wheel went over a large stone, flicked up and hit my downtube before bouncing off that and into the front passenger window.
The look of shock was one to behold. Schadenfreude perhaps on my part.