To some degree, I'd contend that if you have always been a safe driver, never been in an accident, typically notice 'things' before they happen and avoid, then you'll be a relatively safe rider. Granted on a bike you are smaller and less people will see you (and the risks are higher), so long as you are careful you'll be able to remove a lot of the risk (but obviously nowhere near all of it) -- At least that's how I'm viewing it as I try riding for the first time this season.
Again, know that it IS a risk and decide if it is one you are willing to take. That's what I did. On the flip-side, I've been in cars before with friends whom have scared my for my life (doing stupid things, not seeing other cars, expecting others to move/make room, etc) -- I'd never recommend getting on a motorcycle to them, as I know what the likely outcome would be.
Also as others might have said, ATGATT (All The Gear, All The Time) is another good thing to go by, and one I plan to use. You never know when something might happen, so always be prepared just in case (I'd never forgive myself if something happened the one time I didn't wear a jacket because 'it was too warm').
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