So there you are, enjoying a great ride on your bike, breeze in your face, when suddenly a good day turns bad. You hear the yelp of a siren, and your heart sinks as you look to find the flashing lights in your mirrors. You pull over, wondering, perhaps, what you did and how much this stop is going to cost you. Depending on the infraction, the cost could be significant. If you are guilty of some serious offense, like excessive speed, you may even get arrested, be taken before the magistrate, make new friends at the local bonding agency and meet some of your community's finer denizens in the local lockup. Even for more benign stops, there can still be some steep expenses. There's the fine itself and the likely multiyear northward bump in your insurance premiums. But wait, there's more: You may be required to come to court and burn a vacation day in the process.