bicycle wreck

I've never been in a bicycle wreck. I know that only jinxes myself... But my husband was recently involved in an accident with four other guys. Thankfully no one was seriously injured, though one guy did end up with a fractured clavicle. Lots of scrapes and blood and bruises though. I am wondering though with no physical life insurance or health insurance just how wise it is for us to be involved! I just keep praying the Lord keeps us safe! That I'd like to see.