I have a plated collarbone and totalled bike back in 2014 from a fit but inexperienced on track younger rider crashing himself directly in front of me at 55 km/hr! It was at a regular local Tuesday race night and they had us grouped with the lower B grade due to low numbers that evening...
That crash had me re-evaluate my racing and actually steered me away from track to focus on CX. Still can crash due to obstacles, but much slower speed and caused by myself!