If you ride often and long enough, crashing is inevitable. Over the bars is easy. Being hit by a deer? The only rolling will be in a hospital bed recovering. Snapped steerer tube? Or my personal favorite, a broken seatpost taking you straight down onto your tailbone. Deer, school buses and USPS drivers are my biggest fears. I saw at least 100 deer on yesterday's ride (187 miles). I know two riders taken out by deer. I had an elk jump across the road within inches of me on a descent, 40 years later my mind's eye can still see the antlers or are they called horns.....that would have been some crash. Nowadays, I try to avoid riding just before and after sunrise and sunset.