Well, the very first time I rode my bike on the road, I put it down.
I had been practicing for a couple days in the parking lot at Plaza of Nations, doing U-Turns and slalom, when my friend who was teaching me said I should be ready do drive the bike myself over there for practice, as he had just insured his bike, too.
Only 20 seconds into the ride, a guy to my left cut straight over in front of me in his Acura, without looking, as his friends had just yelled "dude, over here!" from the sidewalk. I had to lock both brakes to avoid hitting him but skidded out in the process.
I had my friend as a witness, and he said I did nothing wrong, other than being in the guy's blind spot at the time, and that locking the brakes was pretty much all I could have done. It was either go down or go over the car. A cab driver also came over and gave me his card. He said the guy didn't even look, and he just cut over. This wasn't a lane change, it was pretty much a swerve.
I got just a minor scratch on my hip, thanks to my brand new Shift jacket (bought that day!!!), and some loonie sized bits of road rash on my right thigh and knee, thanks to the fact that I was only wearing jeans. The bike had the thin little engine cover ripped off (it just goes on with adhesive), slight damage to the bar end, and the front wheel is now slightly bent, as in the wheel itself is fine but the alignment is off.
I made a claim with ICBC and I'm pretty sure they'll find him at fault. I mean, I'll be pretty shocked if they don't. Looking at his car, he definitely had other accidents, as well. I'm going to take my bike into the ICBC garage on 5th and Cambie, but the thing that worries me is that they'll probably exaggerate the cost of repairs, and I'm found liable in any way, I'm worried about paying an arm and a leg. I'm wondering if anyone can comment or has similar experience. Also, there's scuffing and an inch long tear in my new jacket. Should I have then replace that as well?