I broke my arm while riding in the third grade. I made it home on my own.
As an adult I have had three major crashes. On the first one the frame was cracked by a left hooking car. The second I was hit by a wrong way cyclist and the back wheel and chain ring were taco'd. The third was an encounter with a street person and I lost control of bike and back wheel also taco'd. It might have hurt, but I believe I could have rode home. The bikes, however, were too badly damaged.