> What about the medical costs from getting hit, or if you get hit again and are injured to the point where you are disabled for some time? The motorist's insu

> What about the medical costs from getting hit, or if you get hit again and are injured to the point where you are disabled for some time? The motorist's insurance paid for that. For incidents where that doesn't happen, this is stuff I have my own insurance (including critical accident insurance) for. Also as I keep riding, my judgment gets better, my knowledge of the area gets better, and I can anticipate/avoid danger more easily. I can't really speak to motorcycles because, due to their higher weight and beefier motors (compared to, say, a scooter or e-bike), they are subject to significantly different rules and cannot use separated infrastructure like multi-use paths, cycletracks, protected bike lanes and sidewalks. My commute from Arlington to DC is about 90% covered by separated infrastructure. I have to deal with cars when running errands inside the city but typically speeds are much lower and there are usually low-stress routes available. I mean ultimately there is a nonzero risk, both financial and bodily, much as there is when you are in a motor vehicle. I've had plenty of friends facing surprise three- or four-digit bills due to mechanical issues or damage with their car. In the DC area, motorists frequently crash into other cars while on highways or stroads, sometimes killing themselves or others. Vehicle manufacturers have superbly played the public by using the fatalities of their own vehicles as a marketing point to sell even larger and heavier vehicles under the guise of "safety" that cause even more fatalities in a collision scenario. It's an arms race and I have absolutely no desire to play a role in it.