I probably shouldn't even say this. I am 51 and I have been commuting since I was about 27. My first 18 months I had three accidents including an ugly one the put me in the hospital (the guy was convicted of assault in that one). I have not had a single accident since. I dont know how many 10s of thousands of miles.

I think after you had a couple of accidents you ride defensively. It makes a difference. Though I am aware of my rights as a cyclist I am also aware that it's big boat over little boat and I do everything I can to avoid contact with the big boats that surround me.