i fell down some stairs when i was thirteen. i broke four bones and had a concussion. worst thing was that i was at school when it happened, so nobody was allowed to touch me until the ambulance got there because of "blood-borne pathogens" and stuff, so i was alone, crying, scared half to death (while everyone and their mothers all showed up to gawk at me), and my best friend couldn't even come over and hold my hand and ride in the ambulance with me. i think that between the physical and the emotional, that was my most painful experience.
on the bright side, when we did superlatives in high school, i was dubbed "most graceful." i'm pretty sure it was a joke, though. >.<