It's a combination of things, not unlike driving. If you'd had two or three car wrecks right together, what would you think? (On the other hand, my wife had a couple of wrecks within a year and has now gone 20 years without one, and I doubt she drives any differently.)
I've been driiving a long time and have never had a major accident. On the other hand, I've had plenty of "incidents" that could have major accidents or even killed me had someone else been in the space I slid into or something. And then my mother-in-law was sitting in her car at a traffic light, and someone asleep at the wheel plowed into the car two or three back from hers and wrecked her car. Good driving can't avoid that.
Regardless, sounds like you could maybe slow down a bit, or pay better attention, or pick better places to ride and reduce the possibilities.
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