I went down pretty hard in the rain about three weeks ago - 25 mph while in the aerobars. No time to put out a hand - thankfully or it would have been bye bye collar bone - but............. in the fall - I did crack my Scott plasma Ltd frame at the downtube.

I contacted Scott and they have an incredible crash replacement warranty - new frame on the way - great folks to deal with - makes the whole Scott experience so worthwhile!