I am going to have to agree with Doc on these.
My view does differ, slightly. Of all of the bikes I own and for as long as I have ridden, I have only been down once and that was due to a mechanical failure of the bike itself. I do believe that if the rider is safe and fully aware, that you can avoid almost 90% of the accidents that will happen. The other 10% is due to variables you cannot control, like insane wind gusts, gravel on the road, etc.
If this is your first time on a bike and first bike, I strongly recommend you take a safety course as it could mean the difference between living to 50 and living in a bed for the rest of your life.
Just my two cents.