A year ago, I fell off my bike and broke my arm.
Four months ago, I stepped in a hole and broke my ankle.

The reason I survived this year is that I was able to call my mom and have her take me home and do my shopping. (I did take the bus to the hospital, though!)

That's the kind of thing that's intensely hard to handle when you don't have a car--not just "inconvenient," not just "you could do it if you weren't so lazy." And that's the kind of thing that you really can't predict... if I had a kid, I'd probably have a car.