Not blaming crash victims here or anything, but if you crash a lot (more than maybe once or twice say ever, but this will vary I guess), you might want to consider how you're riding your bike. In ten years of daily commuting, recreational riding and training in an urban center where, just like everyone else here, the drivers are worse than anywhere else (though visitors to Montreal are regularly shocked at how careless and aggressive the drivers and infrastructure are here), I've been involved in 2 crashes involving other vehicles, both in cases where I was passing a car on the left with plenty of space and completely visible, and the driver suddenly turned left.

Again, I'm not suggesting that it's always a bikers fault when there's a motor vehicle-involved crash, but it certainly can't never be. It certainly hasn't been in my experience

A second on not putting your hands out - I separated my shoulder last year when I went over the bars of my mountain bike going fast when I took my eyes off where I was going for a split second, and in the 3 hours that I was flying over the bars (wow did it ever seem slow) my instinct was to put my hands out in front of me. That wasn't the cause of it, but if I didn't land my shoulder directly on a sharp incline, I would have broken any combo of a hand, wrist, arm or collarbone.