"Accidents" are usually on public roads and unanticipated and much worse than "crashes". I have never had an on the road accident but have crashed more times on tracks than I can count. From 2mph to just below 200. The worst injury was at about 15 mph.
In over 15 years of racing I only knew one rider to get killed on a track (Elkhart, Indiana). Meanwhile, there were probably a dozen I knew who were killed or permanently crippled riding on the streets during that same period.
Much safer on a track where there are a great deal of calculated risks and crashes, but a lot fewer accidents.
Be careful out there.