I've been in an accident only once. Never a real crash that was caused by failure of my gear or bike or something else.

I had my bike slammed away from underneath me by a car once. Thought there was nothing in front of me, although the bright Rabobank jersey, and the bright yellow bike told him otherwise. Was pretty painful the week after, but nothing serious except from 2 trashed bottle cages and a bent RD hanger.