i had a very close friend of mine die a couple years ago due to biking, this lady in a minivan didn't stop at a stop sign and ran straight through it, hit him hard enough to pop out one of the veins in his heart, like his aortic something I can't remember... but yeah he died damn near instantly. That was the only injury and he was fully geared up.
Be safe, wear your gear, and watch for everyone else because they sure as FUCK aren't watching for you.
T.c.