I was hauling ass down a one-way, two-lane street in the bike lane (shoulder). A woman in a sedan pulled in from a side street on the left, crossed into the right lane, then swerved across my lane to make a right turn into a shopping plaza.
I had no vector for escape, it was too sudden. I believed I would go through her right rear window and wind up in the car. Instead, the bicycle and I slammed laterally against her car and flew forward at her angle, my sternum striking her passenger-side mirror. As it happened, I thought it would kill me, but the mirror just exploded into a hundred pieces.
I landed on the ground with my bike next to her now-stopped vehicle, solar plexus aching but otherwise almost unharmed.
She was very apologetic. She said she had many friends who were cyclists, and she was aghast at the idea of hurting any of them. She told me if I was unhurt, and agreed not to request the police, she would happily absorb the damage to her vehicle (it was really badly damaged by my bike scraping over 4 feet of her paint).
After I caught my breath and realized I was unharmed, I told her it was a fair cop and we were good. But I will definitely never forget the terror I felt as I slammed into her.