A little less than a year ago, I had an accident on my XB12R. Was on a nice curvy road, following a guy on a BMW tourer. We started going through a blind left turn, and all of the sudden a guy on a cruiser appeared coming from the other direction with his rear tire locked up. I got on the front brakes so hard that the rear tire lifted off the ground. I somehow managed to make it past the guy on the cruiser as he finally fell over, but when I sat the back end back down, it was no longer aligned with the front tire. I then went into a miniature slow speed tankslapper, and ended with a nice slam to the ground on the right side, and about a 30 foot slide. Was able to ride the bike 40 some odd miles back home. I only had a slightly bruised knee and hip.
Just last month, I had another accident on the firebolt, this time being my fault. Same road as the previous accident, I was out playing, and pushing the bike a bit hard. I was going through the same couple of corners over and over again, letting my G/F get some pictures of me. As I made one pass through a blind left hander, I remember getting my knee down, seeing the exit of the corner, seeing it covered in gravel that hadn't been there 2 minutes before, and panicing. My brain instantly thought "oh crap, too much lean angle to make it through the gravel at the exit, straighten bike up some". Well I straightened up the bike too soon for the corner exit, ran outta road, then saw lots of sky, ground, sky, ground scenery. This accident totaled out the bike, and left me with a sprained ankle and thumb.
In all of my accidents, I was geared up, accept for pants on the first one.