I've never hit a car or been hit by a car and don't plan to. I use a mirror constantly, and know where cars are in relation to me, and keep my distance. I know other riders who have ridden for decades and never been hit by a car.

I've also known guys who don't stop at almost any stop lights or stop signs (had some friends in the legal courier business), who cut cars off whenever possible, and who got hit rather regularly. A good month involved no visits to the emergency room.

It all depends on the way you ride.