The vast majority of cyclists ride for a lifetime without a motor vehicle accident. Even if we reduce the set to only high mileage active road cyclists, it's still if and now when.

Then if we discount minor MVAs, such as hooks with no or minor injuries, the odds for lifetime safe cycling get more favorable yet.

No matter how you measure, bicycling is a safe activity. This is recognized by life insurers who offer their best rates to bicyclists, while denying them to participants in many other sports. There have even been studies showing that not cycling is more dangerous (based on life expectancy) than cycling.

So, yes, it's not if but when you'll die, but odds favor it taking longer if you're an active cyclist.