I have never ridden one and am probably going to get me a kawasaki klx110 soon because they are cheap to upgrade and they have an extremely large aftermarket following plus they look really fun. it will be no bike to ride on the streets but just something fun to play around with. as far as getting in an accident i am not too worried plus you dress for the crash and not for the ride. but i mean all of us can ride a bike in town with traffic haulin @$$ past us it shouldn't be that bad i think. personally i stay away from busy streets when i ride and stick to the smaller sid streets, not only because its safer but because its far less stressful