In May I ran into a car riding my bicycle. As I wrote that day: "Next thing I know I am on the street, giving the freaked-out driver a thumbs up and yelling to her that I was ok. She pulled over regardless and was very shaken. I assured her of my not being injured and didn’t tell her that after I got on my feet I noticed from the bent shape of my left ring finger that I had dislocated it. I did not let her see it, taking her shaking hands with my right hand so she would feel that I was calm and not hurt.

Do I think I was predestined to have this accident — no. Do I think the universe decided “today” that I and this lady would have this accident — yes.

Why?

She said to me it didn’t matter whose fault it was as I kept trying to calm her both with my health and that fault laid with me." https://medium.com/channspirations/i-ran-into-a-car-today-on-my-bicycle-192e9ec09386

A few days later in a channeling session with my psychic and my spirit guides, my guides told me that the manner in which I spoke to the driver had a significant effect on my karma.