Falling off a bicycle at speed is very traumatic especially as we age and for that to happen in a far off land must be frightening
Being pedantic I suspect I was propelled off the bike at speed, falling implied something a little gentler!!! As I said in the "Will I get on the train" thread these things happen and you cope. It didn't feel particularly traumatic, mainly because of the adrenaline I think, as the local Spaniards and health professionals took over within about 30 seconds of me hitting the concrete and bouncing up.
As I said though the panniers. which I collected from Guenica police station next day having spent the night in hospital, survived virtually unscathed and I have continued to use them for tours and shopping ever since. The reflective patches are coming off in places but they are still waterproof and don't look too tatty.
I didn't have travel insurance at the time because I was invincible of course but now I always do!