I've never been in an accident so it's easy for me to say don't give up. Like others have mentioned, the odds are in favor of commuting by bike. But sometimes facts don't always have the gusto to overpower personal experience. If you're scared, that's normal, if you're feeling guilty or worry about being guilty if you get back in the saddle and something else happens, stop. Ride safely, be visible and aware, and it won't be your fault. Hope you heal up well and whatever choice you make, best of luck!