Well i was hit by a car around a month ago. The driver took and unprotected turn and hit me. I was fine and refused an ambulance. She ended up with a citation and paid for my bike.

Aside from what some have mentioned, i would have to add that speed and route are also big. There are some routes that are more dangerous than others.. i have modified my route to use more neighborhood streets. The safer routes tend to take longer because they avoid large streets and intersections. I have modified my route 3 times in 1yr. I plan on making another change once my i start back up in 2 weeks

Speed is the next thing IMO. Altho you have the right to go the speed limit.. its best to go at a speed that you can stop or maneuver in easily. In my case.. although it wasnt my fault.. if i was going slower i might have been able to stop or swirve around the car. I had a green light and was going with the traffic.. slammed on my brakes as hard as i could but it wasnt enough. So when i start back my commute im going to slow it down.

Honestly im not scared at all because i dont sit and think about it. Cars, planes, sports etc.. are all dangerous. Aside from following the traffice laws.. respect the cars and put your safety before your rights on the road.. thats just my opinon. Finally.. try not to think about it. Thats all i can say.