I was in a serious accident (broken bike, broken helmet, helicopter ride, etc.) I was back on my bike one month later, and was subsequently hit by a car in a crosswalk (driver on cell phone ran the red light). Fortunately, I was only tapped and was not even knocked down. But it shook me up!

I decided right then and there to get back on my bike and ride because I could. The alternative--fear--was not acceptable to me. This was 9 years ago, by the way.

Two years after the accident, I bought a very nice, quite expensive handmade Luna. I was really hesitant to ride it. It was too nice for me abd I didn't want to wreck it like I did my old bike. But I figured the more I rode it, the less it would cost per ride. So the first ride was $xxxx. The second ride was half that. The more I rode it, the more affordable it became. I needed that justification. I've been riding that bike ever since, and it's still my dream bike.

Give yourself time. Only you can determine what's right for you. Maybe all these stories will help you.