Jay sent me this photo of his bike.
This happened when a Volkswagon Jetta suddenly appeared in front of me on my 2004 Giant TCR 2 Composite. I was going about 15mph when it pulled out from a driveway into the bike lane. There were bushes blocking the driveway, so I had zero time (five feet) to hit the brakes. I struck the front fender straight on at 90 degrees and CRUNCH the bike snapped in three places, one on the top tube, two on the bottom. I spidered the windshield, rolled off the hood and walked away unharmed.
Amazingly lucky to walk away.