The only other time I really got hurt was when a very aggressive driver (again downtown chicago)( became incensed that I was riding in the car lane (no bike lane) and got within inches of my back wheel and started honking like crazy, scaring the shit out of me and causing me to slam into the curb and fly off my bike.

Both were accidents I made while a newb biker, I became a lot more "seasoned" after these two events and became a way more defensive biker