There's an old saying "there are 2 types of cyclists ones' that crash and those that are going to crash" Face it it happens you will crash at some point.
The thing is to lower the risk by improving all aspects of your skills. Learn how to land when ever possible tuck and roll.
Learn who to avoid, it's easy to tell who to avoid as soon as you line/meet up for a ride/race.
The biggest thing today is riders coming into the sport that are fit and have no clue as to how to rdie but they know everything. the old club system you would never to go to the front of a group/pace line until everyone was sure YOU were safe for them to ride near. You rode at the back and very often were yelled at for every dumb thing you did. If you kept coming back you may have had the chance to learn something.
I see riders at our weekly training race that know everything heck thy'll tell you haw they're a cat 4 racing for almost 2 years. I on the other hand have been racing for close to 30 years, coaching for 16 years but what do I know!