The environment plays a big part in risk involved for collisions eg riding in traffic, slippery conditions etc. learn to identify these and ride accordingly.
Drops and single vehicle crashes are usually solely the riders fault and once again try to learn how to identify, eg instruction, track days.
Saying that 'shit always happens' and in 25+ years riding I've only dropped a stationary bike once and had a minor drop of traillie on the road(front wash out on metal at night)
Fwiw
"Sorry Officer, umm.... my yellow power band got stuck wide open"
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