It doesn't matter what size your bike is, there are only 3 basic types of riders, those that have crashed, those that are gonna crash, and those that are kidding themselves.
that said, I spent the first 3-4 years of my adult life using a bike as my only transportation (except Dec, Jan, Feb where the wifes car had to fill in when the road had ice or the temp got below 35)
I've put it on the ground twice (once my fault and once an old woman who couldn't see over her stearing wheel did the infamous 'left turn'.
I've actually taken more damage in car accidents than either of the bike wrecks, and at slower speeds.