Another anecdote on the other side of this: I've been driving since I was 15 for many thousands of miles and have only been involved in two incidents. Both my fault involving icy roads, but both where so minor that only paint damage occurred (no insurance involved). I live in the north-eastern United States for reference. Edit: I wouldn't say that my driving style is cautious either, I do drive attentively though.
Kind of similar for me but my cars tend to get hit now and again a lot whilst parked. One time almost written off because it was hit at high speed and the offender kept on going despite leaving several piece of his own car at the scene. The police couldn't do anything because, well, I was insured so 'they can deal with it'.
Same here, I drove for 7-8 years (not that much though) and my major "accident" was with a thin and curvy tree that was on a dead spot of the rear mirrors while backing up. Was in 3 close calls where the results would have been much worse.
In motorbike in contrast, you touch a wet patch or a gravel bit and it slides right away, 2 minor accidents like that for a total of ~8 weeks driving motorbikes (minor since I knew there was gravel/water and was going really slow).
> In motorbike in contrast, you touch a wet patch or a gravel bit and it slides right away
Not a motobiker, but I find this part strange - I see people who commute daily on scooters, sports bikes and choppers too and they don't mind mild rain and wet roads much. They do drive slightly slower through city (and on highways too), but not more than 10kmh less.
If its anything similar to bicycle then you just take care on bends/intersections but thats just about it.
Ah sorry, yes ofc you can drive daily on scooters and deal with the rain and wet roads. With rain/gravel on a motorbike you def need to go more than 10kmh slower. I've had my car slide a couple of times under rain, and a few more under gravel/sand on the floor, and on the car it just moves a meter or two and that's it, normally no issue at all. However on the motorbike that same sliding means you are going down. That's all I mean, that the car is a lot safer than the motorbike for small incidents. Probably also for major accidents, but luckily I haven't been in those.