I've had my share of get offs in the 40 some years of riding. Two in the last 4 years, the last when I hit a deer. I still consider them my fault. I could have/should have been more prepared, scanning, slowing for a blind corner, etc. There's a lot of things that contribute to an accident. Most can be avoided by rider experience and reaction. I consider myself to be a good rider, lots of miles under my belt and yet still learning.
For a little humor on the subject check out my webcomic on crashing:
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