Wow, thanks for all the info everyone. I will have to reread and digest it later.

As to the cause of the accident, its hard to say. I was taking the 64 to 464 onramp, which curves to the right. I was on my way to work, was not in a hurry, I had all my work stuff in my backpack, was wearing business attire, etc. I am not speeding (the cop agreed this was the case). I was taking the curve, in a regular lean, and the bike suddenly slammed me down to the pavement and I slid about 50 ft, hitting the guard rail. I figured I hit something and lost traction. There was no squirrelly moment. It was immediate. The cop said there was nothing on the road to hit. I couldn't verify, as I was 50 ft away, getting looked at by the paramedics. They thought I locked up my rear brake. I thought this was odd, considering I rarely use my rear brake. Anyone who rides a duc knows the rear brake is almost worthless. However, getting the bike off the trailer at my house I noticed that the rear wheel was not moving freely. When I got it on the stand I noticed that the brake was dragging. I don't know yet how or why it got that way. I was on the brakes before entering the curve but wasn't on them in the curve. I posted this on my ducati monster board and some of the more experienced duc mechs were not surprised, as they have seen rear brakes fail multiple times. There was a woman in a car following me through the turn. She stopped and helped me. Hopefully the cops got her information.