No I have not. I’m a damn good driver. I’ve been driving for 35 years and never had an accident. My husband has been driving for 33 years and the only accident he ever had was an idiot in Miami who bumped him - not a big deal. No one in my family has had a wreck - both sisters, their kids, their husbands - maybe the bad drivers keep having accidents to run that stat up.
That's all terrific, if you're the only driver on the road. You'll avoid any accidents that YOU might have caused.
What about the others?
I've been hit by another driver and my wife has been hit four times so far. None of these accidents were our fault.
Life has risks. We reduce the risks as much as we can and get on with living. I think letting your child walk to school fits in that category as well.
I teach my daughters (I have two) to make good decisions and to avoid risk while living life.