Do you really have to be hit by a car? What about a 50 mile an hour crash downhill? No probs with cars so far, but did break two ribs and a collarbone. Always nice to hear a french doctor (even higher educated people in France don't speak english) say with a big smile (because i'm tenth or so person that week that crashed his bike in the alps): "Monsieur, votre clavicule et deux de vos côtes ce'st cassé. Je voudrais operé." If you haven't broken a collarbone once, you're not a real biker.