A further point about bike security. I had three bike accidents in my life, all in my late teens. All were my fault and thus avoidable - and all had been more serious would I have driven a car.
One was just me showing off to friends with a risky stunt. In both other cases, I crashed at speed into cars that parked in violation of rules behind a corner. My fault: this is done too often, I should have slowed down when turning. Now, in neither case was my speed enough to break my bones - and had I driven a car, showing off could get me end up inside a metal coffin curled up on a lamppost, while for the other two, it would have been a frontal collision rather than flying over the parking cars, enough time to strech out my hands for the fall.
I have never been hit by a car, and that not due to courtageous drivers. Look out and be visible, and this risk is reduced. *Lunatic*, n. One whose delusions are out of fashion.