Oh I have an amazing one...
I was 13, in florida on a bike that was too small for me. A bumblebee comes and flies RIGHT over my hand. I was at the height of my bee/wasp phobia. So I put on a burst of speed to get away, but the bee still was hovering an inch over my hand.
So I jumped. Off my bike.
I landed on my feet, perfectly immobile for a full second, watching my bike keep going.
And then momentum kicked in, and I fell forward, skinning both my knees pretty damn bad. And I looked up to see my bike keep rolling away with the bee, and then the bike made a discreet left turn into some bushes and crashed.
Yeah, it hurt like hell, but it was worth it for the story. XD