This year a lady pulled out in front of me turning left from a stop sign. I hit her right behind the driver's side door handle. Lucky for me and not for her, I was driving my SUV that day and blew out her rear windows and crushed her car without hurting anyone seriously. It was the first time I've been in an accident in 25 years bike or not. It's all a serious of strange timing events for it to happen. I took off late from work because I was going to pick up kid's after practice. Had I left at normal time I wouldn't have been there. If there wasn't 2 lanes of traffic she wouldn't have pulled out from the sign and snaked through one lane to pull out into mine. The best you can do is stay vigilant and give yourself some extra luck in avoiding others mistakes.

I face planted last year on my bike after catching a curb. That was on me.