All of the following occurred in Canada a few years back.
Coyote at Canmore. His partner was circling round behind me as I took this:
[/url]
IMG_3371[/url] by Mark and Kirsty Beaman[/url], on Flickr
Mother bear and cubs next the road in Waterton with nowt but my lycra and turn of speed to protect me (plus the distraction of loads of people parked right next to them in their cars taking pictures):
[/url]
IMG_1233[/url] by Mark and Kirsty Beaman[/url], on Flickr
Being dive bombed by a Ferruginous Hawk (think large buzzard) and then escorted away from a nest which was right next to the road. She was hovering right above my head for some time as I rode away: