[clekr]

I ride twice weekly with one of the TV bike clubs. In the two years I've been doing this I know of about six people who have fallen. Some were at low speeds going around corners. If you ride long enough you probably will take a fall at some point. Every one of the people I know who fell hit their head on the ground. You just cannot help it. And everyone of them cracked their helmet. None had head injuries though most had abrasions.

Of course, with the clubs helmets are mandatory.