I do most of my biking on trails, but I feel you on this. I used to commute when I was in my early 20s working at a funeral home. On my way home one day I was riding on a main strip when a car full of what had to be newly licensed 16 year olds pulled out without looking and hit me. It wasn't a major collision. When I say hit that sounds dramatic - it was more of a bump. I did freak out on them and tell them they needed to pay better attention, that people who weren't in motor vehicles also used the road. I think I scared them, but I was the one who rode away with a pounding heart. I haven't had an incident since. That was over 10 years ago. But I get nervous still if/when I commute these days. I think that's part of why I don't consistently commute via bike. It sucks.