You haven't been hit by a car YET
I have a friend, an experienced, long-time bicycle rider, who was hit from behind by a car while riding his bike. It flipped him back onto the hood so hard he had brain injury even though he was wearing his helmet. It was touch-and-go for a while. One friend said it might change his personality. I asked her, "Does that mean he won't tell someone to go {urinate} up a rope?" She replied, "That might be all he says!" He was in the hospital for a good while. He came out OK, but I could tell his personality had changed slightly. He seemed more subdued, but at least he was alive; I doubt he would be if he hadn't been wearing his helmet. Not wearing a helmet can definitely result in you being removed from the gene pool. Your mileage may vary.