Kentucky Bicyclers: What are Your Worst Fears?

Riding my dad's old Raleigh ten-speed to my law office this morning, I started thinking about all the things that could go wrong for a bicycler, all the things that have  gone wrong for me. Being a bicycler is a lot like being a lawyer: it feels like the right thing to do, but seems fraught with more peril than is necessary. So, bicyclers, what do you fear when you hop in the saddle? (Because some of these events pose the risk of serious injury or death, when gauging your fears, weigh your perceived likelihood of the event occurring multiplied by the consequences of that event's occurrence.)

I'll tally these answers up and report back next week.