Most bike accidents occur at intersections where a car is making a turn and the cyclist gets hit...
If you like to ride outside with vehicles then you will need to train yourself to be more self aware of your surroundings and ride in a matter that avoids vehicles.
If you ever browse some of the more newb cycling sites, you'll see a lot of riders report almost getting hit or actually getting hit. If you bother to inquire about the details and they tell you, it is almost most always caused by the cyclist doing something stupid.
Another is simply not taking reasonable precautions to be seen. That black kit might be cool, but it also makes you invisible in some conditions... wear bright colors that show up. If you are riding towards the sun, then drivers overtaking you can't see you... always use a bright flashing tail light in those situations. And be *very* cautious about drivers ahead of you waiting to pull onto the road... don't assume they see you, and ride as though they won't.
Another is riding in the gutter... inviting cars to ignore you and "squeeze" by. If there is no shoulder, then half that right lane is mine... you can pass when it is clear, or if I decide it's safe and move over.
I'm not sure what the basis is for the assertion that "...it is almost always caused by the cyclist doing something stupid". That is most certainly not indicative of the totally unbiased and statistically valid prospective observational study I've carried out which suggests something quite to the contrary (note: comment dripping with sarcasm but, by way of explanation, I was nearly side-swiped by a pickup truck just this afternoon on a rural road).
I agree with the comment on "...taking reasonable precautions to be seen" but I'd suggest that daytime "running lights" will do a lot more to enhance visibility than wearing bright colors (and the lights are probably cheaper, too).