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Been driving for 20 years now, got my motorcycle endorsement a year after I got my driver's license. I've got as many, if not more, miles on 2 wheels, as I do on 4 wheels. I've been involved in 4 accidents, all while driving something with 4 wheels, all accidents not my fault, and 1 time sent to the hospital. It's a game of odds, but I'm a lot more vigilant on a motorcycle than I am in a car. I ride like everyone is out to get me, and it has saved my butt on more than one occasion. I'm not a speed freak, and I don't drink/drive, probably has helped me along the way. *Knock on wood*
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