I've had... two "wrecks" in the 3 years I've been commuting daily. The first I was hopping a curb (cutting through a parking lot) in the winter and I couldn't see where the "ramp" was and I missed it, so I got thrown off of my bike into a pile of snow.

I thought it was pretty funny.

The second I took a roundabout much too quickly in the summer on my road bike and the rear end slid out from under me. That gave me a good bit of road rash on my hands, knees and hip. Other than that I was fine.

I probably bike about 5000 miles a year in total (commuting, mountain, and road.) Less that a lot of you, but more than some.