2 years commuting. 3 events. No contact with a car yet.

Events:

1. Dump truck passing close 1 foot over the white line on the gravel shoulder. Guy was probably digging for cigarettes in the glove box.

2. Oncoming car turns left across my lane into a small food store. I skid and avoid contact.

3. Car approaching on side street on my right fails to stop at a stop sign. The driver demonstrated quick reflexes when I yell out at the top of my lungs.