Been there. I have wrecked 2 different bikes. Both my error, nobody else involved. There are so many factors in bikes that contribute to everything. My first accident I was just turning out of my condo complex and hit loose gravel and dropped it at about 5 mph.

The second one I was driving downtown, light turned red, tried to stop, rear tire just would not grab with all the grease and oil on the streets. Layed it at about 15 mph.

I love bikes, I want another one, but they are VERY EASY to damage and VERY EXPENSIVE to fix.