A tale of plastic in the dirt
No matter how good a driver you are, it's the other person who may be the problem. Some people bribe their way into a license. Ability? That may not be part of their skillset. Learning? Maybe not. Aggressiveness? Definitely. (I pleasd guilty to that last one.)
I tell newly arriving people that they should expect to be in a fender-bender about once every nine months, on average. If they aren't, it's maybe because they don't get out very much.