Crash safety in a modern car intimately involves all parts of the vehicle's infrastructure. I doubt it would be possible to componentize without severe compromi

Crash safety in a modern car intimately involves all parts of the vehicle's infrastructure. I doubt it would be possible to componentize without severe compromise. Major car manufacturers sometimes can't even get it right on their own products. E.g.: http://www.carsguide.com.au/car-news/hyundai-tucson-slammed-over-four-star-safety-rating-36654 http://www.carsguide.com.au/car-news/hyundai-tucson-slammed-... As for the insurance question, that's just absurd. Your bicycle insurance isn't anything remotely similar to car insurance.