I am only remarking on comparable things, like a low speed, one vehicle car crash versus a low speed, one vehicle motor cycle crash. The outcomes are drastically different. Yes I also saw files on car crashes that left people mangled for life. Those folks usually were doing insane things, like drinking or doing drugs and driving 100mph at night. You can just be in the wrong place at the wrong time on a motorcycle and get your shit very permanently, very fucked up because of some other careless driver who did not see you. The same outcome in a car takes a lot more going wrong.

Edit: In reviewing that many files, most serious accidents had an element of "accident waiting to happen". Cases of "Damn, it sucks to be you. Shit happens." were very extremely in the minority. It radically changed my view of risk assessment.