I was turning at a stop sign. Slowed down and was only moving fast enough to keep my balance. Turned right and the wheel kicked out from under me and then snapped back throwing me over the handle bars. The torque of the handle bars yanked my shoulder out and left me with a separated shoulder. It was that same torque that left a dimple in my frame. That dimple caused Progressive Insurance to total my bike. Total vs. repair was $400 and they wouldnt let me pay the difference. I now have Allstate insurance.
I always wear a padded jacket, helmet and gloves. All of which I believe helped reduce the damage that was done to my body. My gloves were all tore up and my helmet had some dings.