When I say drop I don't even mean a conventional accident, but say pushing paddling a bike in a car park or something daft, even just trying to ride off with a disk lock off -
Put it this way, I've beenriding 13 years, and sropped my SV for the fist time (I've had it 4 years!) last week, just tripping over a sleeping policeman in my own parking spot I've negotiated daily. I just clipped it in my boot, the bike started to go and in trying to save it, my other foot slipped and down it went, gently.....
And years ago, on a ride out, my mate, his learner girlfriend and I leaving their gravelly farm drive. He got to the bottom first, roared off, she used the front brake and skied the front wheel, and down she went. I lept off my bike to get hers off from her (she was underneath it) and out of the corner of my eye, having left the engine running I was in such a rush, on the slightly unstable and downhillslope, as I was pulling her bike off her, saw mine, riderless,just gently roll off the kickstand forwards and down it went - I could have saved it, but would have meant dropping the other bike back on my mates girlfriend!
Its the slow speed stuff that gets you, rather than the high!