You are kidding yourself if you feel invulnerable, all you can do is improve the odds. There are two (or more parties) in a collision, and it only takes one to make a mistake. Concentration, handling skills, awareness, helmets and lighting improve your chances - but if the other person is having a bad day and doesn't see you, it might not matter.

My most serious hit was two years ago. I was stopped at a red light. Not moving. Well lit. A woman made a left hand turn into the wrong lane while cutting her turn short - she nailed me head on and I went over the car. Afterwards she told me that she has poor peripheral vision. She admitted liability at first and spent the next couple of years lying through her teeth. When we deposed her she was very upset that I yelled at her during the incident. Poor princess got yelled at! The nerve - the mean guy she hit was mad that she was driving negligently and broke his leg!

What was I thinking in the moments before impact? I was thinking this isn't happening, this person can't be driving at me in the wrong lane with an SUV. My next thought was this is going to hurt.