Getting hit.
A lady broadsided me at 30mph, claiming the sun was in her eyes and I had too much dark clothing on. The only reason she stopped was because there were so many witnesses filling their cars at the gas station on the corner and immediately came to help, bringing me paper towels to stop the bleeding, I was cut up bad. My State Farm auto policy's uninsured motorist covered my medical, because a person with the lack of driving skills that she exhibited, doesn't have any insurance. So I recommend every cyclist reading this get the uninsured motorist and make sure it covers you walking or cycling as State Farm's does. Just a helpful hint from your buddy Burt.