Only fell off once in the past 12 years, had to be taken to hospital after I remove most of the skin on my mid arm, and lower back. The doctor told me flat out that I was very lucky not to have broke something importand in the lines of my back, pelvis or elbow. Thank goodness I was wearing a helmet which smashed into many pieces. Couldn't sit up or lay down comfortably for two months while the skin grew back and it itched like mad. This was from a saddle I trying out broke into pieces scaring my horse, the great part is when the company (it was a new saddle) wouldn't compensate for the damages only give me a new saddle that I had to paying shipping for.
Only other times my horse fell I hopped off and helped the pony up made sure he was okay and brought him back to the barn to wash him off.
I hate the saying you got to fall off to be a good rider, I just happened to know how to have a death grip on the cantle or horn while stopping with one hand.