I've gone over the handlebars mountain biking before on a couple of occasions. Once, I bruised/cracked ribs, severely sprained both arms, pulped the muscle on the front of my shin and probably sustained a hairline fracture in that area as well. I couldn't walk for three weeks after that. I lost all my nerve for nihilistic mountain biking after that, but I still ride like a maniac on streets. I am a lot more defensive now though, always looking out ahead and trying to anticipate the moves of motorists.
I have found parked cars to be relatively easy to avoid, though.
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