I think you need a good fanny pack designed holster, worn front and slightly offset.
It'll be concealed, protected in a crash, protected from the weather. And in a crash, it will be at a position where it's unlikely to be driven into your body in a place that would cause major damage. Worst case you'll bruise your pelvis area. In a crash you'll tend to fold around your hips, forward.
I speak from authority - 20+ years as a biker (performance motorcycles) without owning a car. Been in my share of wrecks. I know where we tend to land at high speed.
NOTE: left side forward is better than right side, no matter whether you're right-handed or left. Why? Because the one delicate tissue that's fairly close to the surface that you don't want to drive a hard gun into at speed is the liver, and that extends fairly low on the right. At the front lower left abdominal area, the only organs close to the surface are the intestines and colon and those are damn near impossible to harm with blunt force. The kidneys are vulnerable but they're way to the rear.
Second best would be a very "high and forward" crossdraw rig, outside the belt, covered with a jacket of some sort. But you won't have the same total flexibility of motion unless you have one with damn near infinite adjustability of both ride height and tilt angle...one such exists, emphasis on "one", although it's pretty easy (and legal) to roll your own or adapt an existing holster. See also:
http://thefiringline.com/forums/showthread.php?t=431656
You could take any "pancake type" holster, cut the belt loop areas off, sew a stiff leather "skirt plate" to it at the top and bottom with holes along the sides...