[tomchristie]

> what's the difference?

The difference is that when you're behind the wheel of a car your in charge of a machine that can very easily kill other people.

> the chance of major injuries is radically lower than when riding a bike.

The chance of causing major injuries is radically higher. You're confusing that with the chance of the driver themselves be the subject of the injuries.

Of course there's a higher degree of accountability for drivers, as there should be.