Another way to look at it is you've been in 3 major accidents and survived all of them, so it may be that the chances of having a fatal accident may be lower than you thought?
Unlikely. You're probably under the belief that That Can't Really Happen To You, just like almost everyone. At least experiencing the high risk of it a few times probably will help you to consider seriously the height of the risk.
That said, being human you might overcompensate.