Bike accidents happen. I personally know of 1 guy at work who broke his wrist when some cager stopped short in front of him and he laid his bike down to avoid hitting her...
If you ride safely, meaning defensively, then you shouldn't have a problem.
If you wear proper safety gear, helmet, jacket, gloves, boots, pants, then if you go down there's a greater chance you won't be badly hurt.
Motorcycles have a few trade-offs you need to determine if you're willing to make....
you've got great freedom on a bike... you're PART of the environment and experience everything you don't get in a cage.
As a trade-off, you sacrifice the 2,500 lbs. of steel, seatbelts, cd player, air bags, and leather seats surrounding you.
Riding defensively, making allowances for stupid drivers behind the wheel, knowing what's around you will go a long way to making you a better rider, and a better driver by default.