Yup. I have two family members who were in serious cycling accidents. One was from a stone that he didn’t see. He didn’t have a helmet on and almost didn’t make it.

The second was city incompetence, which resulted in a crash on a bike path. They were wearing a helmet and probably only survived because of it.

I was on a group ride a few weeks back, and one guy’s bike slipped from under him (wet metal bridge) and his head slammed into metal. His helmet destroyed, but he carried on like nothing happened.