I've had 3 teenty-tiny accidents in 33 years of post-college cycling. Two were very minor falls at 2 mph, no damage, no injury. The third -- more than 20 years ago -- was a kid who ran into me on a MUP w/his bike. Again, no injuries.

Based on my record -- 10's of thousands of injury-free miles -- it's not something I think about, other than taking care to ride safely.