Not a bicycle, however I think it applies here, and I'll tell the story anyway:
My wife was totally against my son getting a motorcycle at age 16, but I let him get one:
My son will be 28 towards the end of this year. When he was 16, he bought an older Honda CL350, and wanted to get his cycle endorsement. I took him to the class, and he got the endorsement. We TOLD him to NOT take that bike on the expressway, because even though it was a 350, it was older, and slower than it should be. His uncle also told him the same thing, and his uncle owns a lot of bikes since he was a kid.
Anyway, 3 DAYS later, I get a phone call from him at 11:15pm. He just got hit by a car, and it totaled the bike! I woke up my wife, (who was scared to death when I told her what had happened) and we drove there with the trailer. He was already hauled away to the hospital in an ambulance, so I talked to the cop that was there. Here's what went down:
My son left his job at KFC in Midland Michigan that night, drove up Eastman to the expressway, and got on it. It's about 10 miles from there to the Sanford exit. He was going about 55mph, and it was dark. He made it about 2 miles or so, almost to the Stark road underpass and heard somebody behind him beep the horn a bunch of times. They then PLOWED him from the rear so hard and fast, they POPPED his motorcycle right out from under him like a croquet ball! They probably didn't realize he was driving only 55 or so, when they were going faster. Maybe they were drunk, who knows?
He ended up on their hood, and rolled off and landed on the road, full body-roll (which is also what helped save him). THEY KEPT GOING, while dragging what was left of his bike, until it shredded, and unhooked from the front of their car. We NEVER FOUND THEM, to this day. The cop on the scene was almost in shock, and couldn't believe my son basically walked away from this accident. He estimated that car that hit him was going at least 75 mph. So, my son absorbed about a 20mph hit, rolled off the car, and into the asphalt. He was wearing a good $100 helmet (it was mine, and it was trashed from road-rash, but saved his head), and a leather riding jacket. He only had on rough black KFC work pants. Those pants weren't quite enough protection, and he got some road-rash between the top and the leather jacket.
Anyway, we went to the hospital, and had him go through x-rays and the works to make sure he was ok. Didn't get out of there until around 4:30am. My son is fine today, and God saw to it that he has a second chance.
Two BIG lessons here:
1: He didn't listen to us, thought he knew BEST, and took a bike where it didn't belong. He knows to listen to us now.
2: He was wearing good protective equipment, Helmet and leather jacket. If he had also been wearing leather pants, he wouldn't have any road rash permanent scars today.
One 3rd lesson: Sometimes God protects us from our own stupidity, and gives us a wake-up call. My son got the wake up call of his life, he may never get another one if he didn't pay attention. Some people heed that call, and go on to live.
If you don't feel safe riding a bicycle in a certain place, it's probably a good thing to listen to that feeling and not do it.