What type of injuries are they talking about, any examples to offer?
Brain injuries (traumatic brain damage.)
Spinal cord injuries (paraplegia, quadriplegia.)
Amputations.
Muscle/nerve damage.
That's just four. There are many types of "life altering" injuries more likely to be suffered by motorcyclists than, say, cagers -- injuries that can have long-term financial (and other) consequences.