Risk is a product of likelihood and potential seriousness of consequences. The reason I consider motorbikes too risky is that the potential seriousness of consequences is extremely high if you're going at any reasonable speed.

And to flip the presentation of your stat around, that means 40% of motorbike riders have been in an accident. That sounds really high to me given the potential consequences!

> And to flip the presentation of your stat around, that means 40% of motorbike riders have been in an accident. That sounds really high to me given the potential consequences!

It sounds scary because it involves every type of accident, even minor ones. Useful to think about how many cars have ever been in accidents too, which should be around the same. The problem with motorcycle accidents is the fatality rates, just as you say, not the percentage of minor+major accidents.