I've never worn a bicycle helmet, but that's because I've always lived in small towns where I knew all the bad intersections, and I was careful to get the !@#$%^&* out of the way if I saw a driver being reckless. The closest I've ever come to any kind of accident was when I managed to get my shoelace stuck in a pedal ( ) and flipped over, and I still reacted fast enough to take the impact on my arms and legs. If I lived in a city / busy suburban area, I'd wear a helmet, though, because you're always moving at a higher speed, and you can put a lot less faith in the good judgment of the people driving around. And Veg, don't be stupid - we know from experience that thousands of car accidents happen a year, and seat belts have a major impact on reducing injuries / deaths. Compare this to a bicycle, where if you're careful, accidents are unlikely in the first place, and helmets are only useful in a grey area between shattered skulls and bruised fingers. If something happens on either side of the "helmet zone," then it's useless to you. Seat belts are always effective in cars, though, since they protect your entire upper body, and there's far less room for error when you're going 65 MPH in a 3,000 pound vehicle.