No car was involved in my wife's accident, nor any negligence on anyone's part. She was in a what I suppose one calls a peloton of road bicyclists heading downhill at speed, 30+ MPH. One of them hit a crack in the road; my wife struck that bicyclist and was flipped to land on her head. The other cyclist that fell had pretty good road rash but declined transport by ambulance and got a ride home.

My wife wanted to decline transport as well. I was...insistent that she cooperate with the paramedics.