This happened two times, Rad paid to have the second fender install by a pro. Maybe I'm the only one this will ever happen too, for everyone's  sake I hope so. I hope you always wear a helmet and I now always wear gloves as my left hand is still healing.
The seat is one that I purchased with the bike and it does take some of the jarring out, but maybe that is the key to the whole thing, seat, weight and fender = crash.

New bike different company there fenders went from plastics to aluminum last year, could be that the plastic ones are dangerous.

Think a fender on a bike shouldn't cause accidents weather it needed or not.

I believe that the fender is two flexible allowing it to contact the tire when you hit a large enough bump. The first time it was a low curb, pic shows the second cause. Off course I try to avoid bumps in the road but can't always miss them. The fender has a rubber like flare on the end of it, my first failure that was folded up on the tire under the fender. The second time it wasn't but the results where the same. I would advise against fender on the rear, hitting the asphalt isn't worth it.

I have opened a mission for 6 months ordered fenders and installed per instructions. Fender caused tire to lock and I crashed, notified  RAD and received new fender and they paid to have it installed and checked the bike. Three days ago same thing happened causing crash, if you have this bike with fenders beware.