This is an issue I've encoutnered several times, as well as my friends. It happens on both stable and experimental, usually in two-story buildings. The most recent time it happened I was standing completely still in a two-story building in Berezino, then the screen suddenly became black and white and my pants got ruined, then after about ten seconds it told me I had a fracture, and it continued sending the error message. Here's a screenshot: http://cloud-4.steampowered.com/ugc/568896237310797282/437E659AE93D16D74E35F1CD779D6AA358F47418/
NOTE: This happens frequently and I know it's been reported before, but I think it's a very severe problem and I just want to make sure it's been noted.