That's a sad one, what happened to your neighbor. But for me, not one type of commuting is better than the other. Accidents happen all the time whether you are careful or not. What is really best (for me) is to get yourself an insurance. And of course, more care. If you think that putting your commuting to a stop is a better option for now, listen to your gut. Try to assess the situation before taking another step.

Good luck.