When asked, I generally reply that there are a lot of idiots out there.

About 25 years ago I was on the first leg of a 60 mile ride to my parent's home. Ironically I was just passing Jocelyn Lovell's store on Lakeshore in Toronto, when a car pulled out of a laneway without looking. I had no room to go into another lane as there were cars there, I had no choice but to hit the car. My head hit the pavement and my helmet was split. But apart from some scrapes and bruises I was fine. Clearly my helmet saved me from a concussion at the least, or possibly worse.