This NY Times Article addresses some of the statistical features of bike riding to work, it does miss the mark.  As many of the comments illustrate, the high accident rate is due to bias introduced when they tally them by miles travelled, not by trip.  Most drivers put 15,000 miles on their cars per year, while I think only Race Across America cyclists and professionals put that many on their bikes.  The comments get into a good discussion of helmets, my favorite one is this one:

“I spent a lot of time and money filling my head with information that I really want to keep around. So I never ride without a helmet. It is really like a seatbelt, after you use one EVERY TIME for a while you don’t even notice it.”

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