You are right about that, except that in the case of the bicycle and the handlebars, the problem is not that your body is decelerating (well, at least, your body does not decelerate noticeably until it hits the pavement). The problem is that the front wheel is decelerating, and due to the geometry of the bicycle, the road, and your body's center of gravity, you are going over the handlebars instead of stopping.KD5NRH wrote:Basic physics doesn't care what you're sitting in or on; when you decelerate from 15mph to a full stop in a given distance, you will experience exactly the same forces. The force that would throw you over the handlebars will slam you into the seatbelt hard enough to hurt.mr.72 wrote:It'd be a noticeable jolt to the driver but not exactly very dramatic. Try grabbing all of the brake lever on a bicycle while running 15mph and you will go over the handlebar, guaranteed.
In the case of the car, the seat belt along with the friction between your butt and the seat and other things will decelerate your body. At 15mph, I don't think there is probably enough momentum in your body to overcome the friction of your butt in the seat, but even if there is, then there is the fact that you have many fixed (fixed to the stationary car) objects against which to brace your body actively, such as your foot on the brake pedal. Now if you were standing on the hood of the car when it stopped from 15mph to zero, then you would fall down just like you would on a bicycle.