My near misses have been because some idiot decides to hug or even drive in the cycling lane (usually while texting) or when someone parks a car in the cycling lane forcing me to move into the road (with cars being incapable of waiting for me to get around the idiot that decided to park in the cycling lane).

Those are instances of following the road rules perfectly yet still nearly getting in a dangerous wreck.

It's not a problem of rules, it's a problem of cyclists not having safe places to cycle. It's a problem of cities not planning for cyclists. It's a problem of cities not enforcing rules that ultimately protect cycling.

The last year before I moved to Germany, I got hit by cars twice, and neither time was I at fault. Once I got t-boned by someone who didn't look before turning, the other time someone suddenly went across the bike lane to pull into a parking lot. Neither crash was serious, but the first rattled me quite a bit -- my son was on my bike with me and got a scratch (and the bike rear wheel was totaled).

For that first crash, the more serious one, a cop showed up and wrote a report, but didn't even give the guy a ticket. In the US, driving a car makes you the privileged class, and you can get away with a lot.

there will be cases of fault by all kinds of parties, but to type out something like "Well I've never died and I'm safe, so if you died you must be dangerous" is mind-numbingly shallow.