I had two car-involved crashes in my first year of commuting regularly and (knock on wood) none in six or so years since. Neither one was technically my fault, but I think I might have been able to avoid at least the first one.

The first one I was riding along in a bike lane when a car made a right turn in front of me. If managed to avoid hitting the car, but I flipped over the handlebars and sprained both elbows. As I recall, a few seconds before the incident I was thinking about something that had absolutely nothing to do with traffic or bicycling and then in the last fraction of a second I was thinking something along the lines of "Holy Crap! Where did that car come from?" I still ride the same stretch of road daily, but now for a few hundred yards before each driveway or side street I'm watching closely to see if anything in the movements of the cars I see might indicate that they are thinking about turning (traffic is usually at a crawl there). I also think my braking technique is considerably better than it was then and even without anticipating the driver's turn I think I could have gotten stopped safely. That's not to say I couldn't still be right-hooked, but I'm certain I've greatly reduced the chances.

My second incident was on a rainy night as I was riding past the entrance/exit of a strip mall parking lot. I had a light and was dressed all in yellow, and the street lighting was pretty good. There was a car stopped at the parking lot exit waiting to pull out onto the street where I was riding. This time I was paying attention and I'm pretty sure my last thought this time was something along the lines of "the driver is stopped and sees me, I can keep going." Then the driver pulled out and I plowed into the side of his car without having so much as gotten a finger on the brakes. I bounced off the hood of his car and got up, completely uninjured. As I said, this was technically "not my fault" but I'm pretty sure most readers of this forum know exactly what my mistake was. I never made eye contact and shouldn't have thought the driver knew I was there. I've taken pretty drastic measures to avoid a repeat of this one. I got a much brighter light (best change). I try not to ride in the rain at night (not as paranoid as it might sound). I try to avoid riding past strip malls whenever possible. And, of course, I'm very cautious about riding past a driver who wants to pull out onto the street I'm on. Even with all this, I'm not sure I could say with confidence that this is significantly less likely to happen to me now than it was then. I had a very clear right-of-way and I don't think my visibility even mattered because the driver never looked at me.