I think that wrecks beget wrecks.
It's a mental thing. I've had a couple of crashes serious enough for me to finish the ride in the back of an ambulance. They have definitely left me with some serious anxiety if not PTSD. When I'm tense like that I think that I'm much more likely to crash again. I think that I'm gradually getting over it but it's been a long process.
__________________
My greatest fear is all of my kids standing around my coffin and talking about "how sensible" dad was.