fighter pilots make mistakes causing terrible accidents. and they're a group of humans that were pre-screened to ensure physical/mental/emotional fit, and had extensive training.

And in my opinion the only reason that can make you believe that is that there is, fortunately, few enough car crashes that you think those who had never crashed avoided it because of their skills.

Of course skills and training will allow you to behave well in a lots of situations that could have killed you otherwise but my conviction is that if you go through life without a big accident, a huge part of it is due to luck. Luck that you didn't encounter the situation in which training and skills couldn't have saved you.