Honestly I don't know how anyone with kids justifies riding at all, especially if they have small children.
If I get creamed on my bike, my cat and 2 dogs will get taken care of by friends and family and barely be aware of my absense (they each probably have only a few more years to live anyway - the dogs are about 8 and the cat is 14).
But kids? A dad or mom gets creamed and it effects those kids for the rest of their lives. Just too risky. I guess that's what life insurance is for, but money doesn't fix everything.
