Insect stings while bike riding This year, whilst bike riding, I was stung two times by insects, one time a bee and once by a wasp (most likely; I didn't see it but from the feeling, size and heat of the stung area I can't think of anything else).
After some research on different websites (https://www.roadbikerider.com/bee-stings-and-how-to-deal-with-them-d1/ / https://www.bikeforums.net/commuting/1080561-insect-stings-while-riding.html) this has happened to others, though I never heard about it before. I only heard about insects getting into helmets, but my stings were on the lower arm through a longsleeve and the other one on the shinbone.
Now I am asking myself, why/how is this happening? Do insects feel threatened by bike riders and attack them? Are they smashed into riders when there is heavy wind? When going too fast on a bike and "overtake" an insect, do you ride into their sting?
I was riding on a road bike with an average 30 km/h both times with one time heavy headwind.
It happened twice to me to be stung:


once a wasp entered from the neck under my loose shirt, and being trapped between the fabric and my chest didn't find anything better than stinging me.
another time I was cycling along the coast and felt a sudden burn between my thumb and my pointing finger. Something stingy was there and had the idea of sticking its harpoon into my flesh.


And if we don't consider stinging but insect accident in general...


another time, while I was speeding downhill, a bumblebee loaded with pollen splashed onto my glasses. Not painful for me, but my face was half covered with a yellowish goo.
while panting for a climb, some mosquito decided that my mouth was a nice place to rest (forever)


Now, I ride for more than 30 years, so I would dare to say, based on my sole experience, that mishap with insect are rare but can happen, and if they feel threatened they fight back.

Wear tight shirt to avoid them being trapped between the clothing and your skin, keep your mouth closed as much as possible, and wear glasses to protect your eyes. That should do for most of the cases.