The odds are in your favor to be honest. I live in a city of 4 million people. 10-20 cyclist die a year. I'll roll those dice when the variance is that high. I figure I bike safer than the average biker I see on the road anyhow, so my odds of survival go up even higher. Probably not a small number of those accidents involved intoxicated bikers or mentally ill; I see a lot of people, clearly out of their mind through mental illness or addiction or both, biking the wrong way into traffic, or otherwise not being aware of anything at all and blithely riding (sometimes pedestrians just walking on the freeway too). Things I do to be safe while biking that I rarely see others do:
- taking the lane
- wearing a helmet
- using lights
- filtering to the front of the intersection
- opting for those 25mph residential roads that hardly have any traffic whenever possible
- "dutch left": instead of cutting over across traffic to turn left as a car would, I instead go straight almost all the way through the intersection on the right hand side, turn right in front of the stopped perpendicular cars, and then angle myself to go straight on that perpendicular road when the lights cycle to green.