I live in a 4 college town in the midwest, and we also have a huge number of commuters cycling to and from jobs at 2 large insurance companies. I drive a bus, and am used to bicycle riders of all sorts. I have yet to see an accident involving a bike myself, although I've seen both bad drivers and riders. And a couple of bicycle riders that are simply mad. Most drivers in my area are very courteous, and our state has a three foot rule as well. And I have seen it enforced. Cities, and towns without a cycling population, may be where you would have trouble, as well as in rural areas. In rural areas, the sheriffs police often know who the hooligans are.