Originally Posted by
FH1100 Pilot
We are ALL better than the pilots who crashed, right? Because we didn't crash, of course! It's so eeeeeeeaaaasy!
The insurance company would probably think that those who haven't crashed are better, that's how the system works.
It is easy to say an accident can happy to anyone, this much is true. However accidents only happen to some people not to everyone and there are various reasons for that most which have been documented in your preferred human performance manual.
Those that stick within what is permitted and choose to operate within their abilities tend to avoid accidents.
The trick is realising if you avoided one due to luck or discipline.