Excellent point, Mike. A friend works in the insurance industry and has often reminded me the same -- there are no accidents; someone is always at fault or there is a systems failure caused by someone who is at fault.
Speaking of which, several years ago, I got in the habit of glancing over my right shoulder before making right turns at street corners here in the US, saying audibly, "No bike" to check and confirm there is indeed no bike present I might cut off. It works, and has caught more than one I might have hit had I not been alert and looking.
It has happened to me while cycling. Last winter, a car moved onto the bike path to prepare for a right turn. I was wedged into the curb and knocked my rear wheel out of true slightly. Close, but fortunately no more than that. No accident, agreed; they never saw me, mostly because they never looked right before turning right and also never noticed me as they closed from behind. Kinda hard to when juggling a cellphone and yelling at an infant in the backseat.
Best,
Dan.