First time when I was about 19. my boyfriend at the time had a ?Triumph Stag? soft top car, long before the days of seatbelts and there was a right-hand bend near Castle Howard which it didn't manage to get steered round successfully but straight into a stone wall instead and me through the windscreen. Three days unconscious in St James, Leeds. Still get aches from the stitch nodules in my scalp.
Second time about 25 years ago; was riding my mare along a track between a meadow and some woodland, lovely sunny spring day, well-trusted, reliable caring mare, we were cantering along nice and relaxed when suddenly an off-lead German Shepherd came straight out of the woodland going for my mare's belly in full hunting dog mode. She side-stepped at a fairly fast speed but there was an old 'cobbled' edge to the track onto which she stepped and struggled to keep her footing, slipping forwards and sideways and tipping me off, then struggling to keep her feet was unable to avoid walloping me with her iron-shod hooves a couple of times but she did avoid falling onto me. I came to with hot wet breath in my face as she stood over me nudging me with her muzzle. I was 'out' for less than a minute. The dog owner was struggling to keep hold of the dog which was literally slavering at the mouth as I got up, supported by dear Kelly who let me almost 'crawl' my way up her leg and then hold onto the saddle. Once the dog owner saw I wasn't dead, he buggered off. Kids on the other side of the meadow were running towards me, sent by their mum as soon as she saw that the dog was under control.
She said that Kelly had been several yards from me with the dog still holding onto her hock before she kicked out really hard and sent it flying, then she stopped, turned and came straight back to me. There was a big crack in my riding helmet - it certainly did its job! - but as I was due in to work later that day, I waited until I was there before I got checked over.
I hope the b@stard owner of the damned dog had nightmares.
ETA that is the worst and only real accident I've ever had in 70-plus years of horseriding. Oh, I've had black toes from being trodden on, and bruises and sore bits from being shoved and bitten and nipped, and nosebleeds when face has met horse, but actual injuries or concussion needing medical expertise? Nah. I've also had a moment when I honestly thought my - and the horse's - end was nigh and was just as white and shocked - and relieved! - as the people on the other side of road also pressed into the hedge on their side, as the foreign-registered lorry thundered past on a Kentish country lane ... now THAT was simply terrifying. Same dear mare, she was only a youngster when that happened and fortunately I'd been taking her out early in the mornings to meet the milk tanker, whose driver I knew, so she wasn't at all fazed by being in such close proximity to a large lorry (although not a moving one!), she expected to get a sweetie from Trev. It seemed my traffic proofing strategy had worked. As she had no concept that the lorry could hurt her, she just squeezed into the hedge to avoid it, instead of panicking as I and the people opposite were doing.