You are a lucky man.
Three weeks ago, my gf and I drove from Vancouver, BC to Seattle to watch a Mariners game.
I had just put my bike on the road, she was keen on taking it down to the ball game. I talked her (and me) out of it, because 3 hrs of highway riding is no fun for a passenger. That and it looked like rain.
So: we rented a car from Thrifty, set out, got hungry, pulled off the highway to buy some authentic American fried crap for dinner, stopped at the first light after the exit and got PLOWED by a big ballbuster Ford F-250 piloted by some old dude who missed the brake and landed on the accelerator.
The car's a mess, so I'm glad I rented it. That makes it Thrifty's problem. Not too happy with being left to fend for myself in an unfamiliar town without as much as the number of a taxi company, but in context: whatever. It was a $90 cab ride to Seattle, and the other motorist's insurance said they'd take care of that.
The point is, I got to some serious thinking about the risk that I'm taking on my beloved motorcycle. The rented Toyota was smacked up against the car in front of me pretty good, despite plenty of room. Had I been riding the bike, we would have been crushed like bugs.
That risk is something that I have decided to take on for the sake of enjoying my bike. My girlfriend, on the other hand, understands this academically, but I suspect is colored by her wanting to be with me and having fun on the bike. Of course, that's no different than my acceptance of the risk being colored by my wanting to be with my bike and having fun. Ultimately, though, I don't think I could really deal with her getting seriously hurt on the back of my bike, and I've since made excuses to not take her on rides.
So, I'm just saying... what am I saying? Oh yeah: leave plenty of stopping distance in front of you, boys (and girls), and don't sweat traffic accidents that result in minor dents. It's actually pretty agreeable in terms of the collateral damage that we all accept as a part of the lifestyle.