The only time I have ever crashed on a bike was over 20 years ago. I was 8 or 9 and riding around our small town with my friend (we rode everywhere, as long as we were home by dark our moms didn't care where we went! Different times now, I would have a nervous breakdown if my daughter was gone all day without a word like that, haha!) A dog running loose came dashing out into the road, I was a bit in front and swerved to avoid hitting the pooch and I skidded on the gravel road. I fell over and scraped some distance, got torn up really but nothing broken.
I did have rocks embedded so far into my skin that they had to dig them out with a needle at the hospital, fun times! They did not manage to get all the gravel out of my right knee and told my mom that soaking it in a warm bath would loosen the stubborn ones and they would come out, but that didn't work. There are still a couple of small rocks in there, one which is very visible and people think it is a mole. (If you have ever played an Elder Scrolls game such as Skyrim there is an affliction called Rockjoint that your character can get, my partner tells me that I have Rockjoint

) Other than that, I have never had an accident and I used to commute through very heavy city traffic.
I also fell off of a casterboard once as well, same type of scenario but this time it was a goose that abruptly made its appearance in front of me! I ended up swerving off of a curb and bashing my elbow, but the goose was fine.