I've been down the road twice in 20 odd years of riding. First time was my own fault for panic stamping on the rear brake at 30mph- wore through the knee of my unpadded leather jeans.

Second time I was doing under 20mph, according to witnesses, passing the outside of a queue of stationary bank holiday traffic, when someone u-turned without looking as I passed beside him. The bike was an insurance write-off, I broke my collar-bone & wore through bits of my padded riding suit.

No-way I'd ride in a kilt!
Still riding the same bike after re-building it though..