Agreed, but in almost every situation, you can actively work to make your own luck by making good choices on speed, lane choice and position, following a blocker vehicle etc. You can't avoid everything but you can dramatically improve your odds of surviving.The bottom line is that some accidents are avoidable due more effective defensive driving/riding and some are not.
Daughter was sole occupant in SUV on major Mississauga street late evening, 3 lanes each direction and distracted driver crosses 3 lanes and plows into her at about 60 - 70 kph. Offset headon and her engine was pushed back about a foot into the (vacant) passenger footwell. Unfortunately, the other smaller and lighter car had the same type of damage and the passenger did not fare well. Needless to say, both vehicles totalled and 3 other cars involved.
I don't think there was anything she could have done to avoid this accident, just in the wrong place at the wrong time. Fate plays a major role in these these types of situations.
As much as I dislike following people in general, at night when out where the big animals roam, I will often stay behind another car. I get to use their headlights to see further, I get to see their reaction to something I haven't seen yet and worst case, they punt the moose standing on the road (and if it was running, hopefully step A or B gave me some notice).