Driving home from the Grocery store, 81 y/o in a brand new subaru pulls directly into my lane, panics and comes to a complete stop. Can swerve to the right, so I picked the rear quarter panel and hit him. Up and over the windshield, over the rear of his car and down onto the pavement I go. Sprained neck and back and a magnificent bruise on my left thigh from whatever I hit when I was traveling thru the air. 6 Hours in the hospital, bikes totaled, helmet has some pretty nifty gouges, but hey, other then I'm going to be pretty sore I will be fine. Now comes the fun part, fighting the insurance companies. Hmmm, what a shame the 08's JUST came out.