I've had an accident on a motorbike which ended up thankfully only with a broken leg and two months of immobility (the fracture was a bit complicated). It was not my fault and if I was in a car, I probably wouldn't have been hurt at all. Roughly a year after the accident, I started to ride the motorbike again, albeit not that often. I don't see anything I could easily improve with the driving style to reduce the risk. I think I'm already quite defensive both on the motorcycle and in the car and I try to always remind myself that I'm no expert.
Maybe I don't correctly evaluate the risk or I just assign too much value to the benefits I get. It's very hard to calculate with a cost of own life. Moreover this cost is changing. It can temporarily increase for example when you support a family. But how do you account for the fact that you have a finite amount of time here no matter what you do? There are much less risky things to do and also much riskier ones than riding a motorbike. Are all the people who take more than the smallest possible amount of risk crazy or unable to assess the values? Honestly, I still don't know.