This.

There's just nothing you can do about a driver who, quite simply, makes a mistake. I was hit in broad daylight, wearing hi-viz, DiNotte headlight flashing.

Approaching an intersection where I had the green, two oncoming cars in the left-turn only lane. First car had plenty of time and turns. Second car pulled up into the intersection, stopped as you do for oncoming traffic, then apparently decided, "Why wait? It's just a bike, I can make it" and T-boned me in the intersection.

In the last moment, I had to decide if I wanted to hit the front quarter-panel and fly over the hood, or cut in front and get hit by the front bumper. I chose the latter.

The bumper contacted my left calf (imprinting "Pontiac" there backwards). It flipped me into a barrel roll. The pedals unclipped when my feet were at the top of the roll, I tucked, rolled on impact and landed in front of a bus. Fortunately, the bus was stopped and boarding passengers. Not thinking this at the time, (of course the bus was stopped--it had the red light) I screamed and scrambled up on the curb.

The bus driver, and several passengers phoned 911. The car driver stopped. His story changed ("He was going too fast" to "I didn't see him") but he still took his ticket anyway. Even had insurance. Insurance paid 100% with no questions asked.

I was out of work for a week with a bruised shoulder. (My job requires that I can lift book totes loaded to 50 pounds.) The only reason I didn't break a collarbone was because in that last moment, flying through the air I remembered to tuck and roll on impact. Didn't even have any road rash. Helmet was a goner though.

I was back on the bike--my second bike--as soon as I had the doc's A-OK five days later.