The hardest I've wiped out on a bike was where a bike trail intersected a road. Everything was super wet and slick from rain. Despite bikes having right of way and my bright bike light being on, a truck with no headlights barreled across it without stopping.
Once I saw it, I had to slam on the brakes so hard my rear brake cable popped out of the handlebar, disabling the rear brake completely and I was putting full pressure on the front brake. I didn't have time to react and avoid going over the handlebars, and I hit my helmet on the pavement. (Thankfully, I did stop in time to avoid the truck hitting me).
Was I doing something seriously wrong? Yes -- I was riding a bike without a properly adjusted rear brake cable. However, this sort of mechanical issue (and any number of others) could happen to any riders who aren't much more hyper-diligent about maintenance than average.
Who knows if we'd even be having this conversation had I not been wearing a helmet that night.
From a public health perspective, evidence suggests making helmets mandatory is counter-productive, and so I don't support those laws. However, I still maintain that anyone who cycles without a helmet is fucking stupid.
