Simply put - you are exposed. Anything (accident) happens you fall and hit something - ground or otherwise, or are run over at times, again because you are exp

Simply put - you are exposed. Anything (accident) happens you fall and hit something - ground or otherwise, or are run over at times, again because you are exposed. You lost balance? Same. You just got on sand at even half the normal speed? You might still fall and hit. Wet surface, mud, speak breaks, same same. You hit another bike? Same (might be for both). You hit car? Same for you, but not for the car driver. When the bike falls you are the one who takes the hit. Most of this doesn't happen in a car. Just my observations as a biker. Yes, riding at sane speeds reduces these risks a lot.