They say not if but when...well 3 weeks ago. Rear end slid out from under me on gravel road and pannier caught the ground and threw me off. Thank goodness I wear gear all the time, not a scratch on myself but a sprained right knee. The bike did a 180 back the other way and ended up on its side. Damage was broken front brake lever, badly scratched crash bar (right side)(HEED crash bar from Poland did great job - new one sitting in my office waiting to be installed), right side pannier damaged - mostly cosmetic (Acmemoto2 warranty replaced for free under the 1 year warranty even due to wreck). So, knee healing and bike will be back to perfect shape.