People getting in accidents is much more about the lack of infrastructure.

And lack of critical mass. Biking in my college town always felt pretty safe... except on days that brought lots of outsiders to town. Those people don't know how to share the road with non-cars. Experience of regularly driving around areas with bikes means you get used to thinking about their existence and don't do things like suddenly turn right directly without even turning on a turning signal in front of a cyclist at the bottom of a hill.