Similar situation for me....not sure where I was exactly, but I had a bandit hot on my trail trying to pick me off - I was running and zig-zagging like a fool, not getting hit. Anyway, with all this running I attracted several zombies. Being intent on turning the tables on this bandit, I said to heck with the Z's, they can have me as long as I take the bandit with me, so I dove to the ground and started returning fire on the bandit, all the while the Z's beating the crap out of me. I bled and my legs broke, but I never lost consciousness, nor did I in-game "panic". I finally got the bandit then turned my attention to the Z's and finished them off. After my heart-rate returned to normal (IRL), I noticed my blood level was ~ -5K. I took some pain killers and morphine and, apart from the low blood, was just fine. Shortly thereafter (about 5 minutes), I timed out, and when I came back in to the game, I had everything on me that I had PRIOR to the bandit fight, ~ 9K blood, and no bandit kill credit. Weird.