> Statistically 'in real life' extremely rare for this to happen.

Just like most forms of harm; most of the time that you take some form of insurance against a negative event, it's not necessarily because of the likelihood of that event, but the sheer totality of the harm that will occur if that extremely rare event comes to pass.

Yeah. But the family of the rider probably wishes she wasn't a statistic.

You can become a statistic just by walking outside.