Speaking of Biking and Automobiles, you should always be prepared for any accidents. No matter how careful you are while driving, someone else might come from behind and hit you, or someone can come right in front of you and make you to break and you might skid. And if a truck is coming behind you, it would run right over you, and thats the end of everything from you. Chapter closed.
However, to make the insurance companies mourn your death, make sure that you get a policy with the many term life insurance quotes that are available all over the internet to make things better for you and everyone around you.