I haven't looked at the statistics, but my impression is that if you are sober and somewhat cautious, the two types of common traffic mishaps most likely to result in death or serious injury are (1) a t-bone collision, i.e. another driver runs straight into the side of your car at an intersection; and (2) a head-on collision on a non-divided, high-speed road, where one car crosses the center line for whatever reason.

As to the first, I try to look both ways when the light turns green to reduce my chances of getting t-boned by someone who is trying to beat the red light. As to the second, I try to avoid this type of road, particularly at night or in bad weather and especially on nights when a lot of people are likely to be drinking.