Not to belabor the obvious, but the thing with accidents is you can't see them coming. The thing with motorcycles is that there's no such thing as a "fender-bender."
If I was to go two miles down the road, and get sideswiped by a vehicle, it's no different than if I was touring two states over.
Touring two states over, people generally gear up for it. Two miles down the street? The accident doesn't care how far you are from home. I used to ride Harley style. I learned my lesson going down in the mountains of Northern Georgia.
It doesn't really matter how far away your going. You may think yourself safe, but Murphy doesn't care. Accidents are called accidents because they're unforseen.
Let me put it this way... Anyone who has gone down while riding without full gear on, and not gotten hurt, please raise your hand. OK. Now, if you don't think you are the luckiest bastard on the planet? Anyone?