I'm sorry but I can't see the logic of your argument, Clive. I'm not saying that there is any correlation between the type of car and the probability of having an accident (although statistics will no doubt prove me wrong). All I am saying is that the likelihood of personal injury is higher with a car with poor energy absorption performance. Safety has nothing to do with the cost of repair but with injury criteria.
This is where the 4x4 issue comes in. Either, in minor accidents, they suffer relatively little material damage themselves or as soon as the accident is more severe, the occupants are by virtue of their design more likely to be injured than in a car with better crash energy management. The same also applies to occupants of the third party involved.
To say that all accidents would be avoided if all drivers were appropriately trained is rather utopian.
ps: For the same reason as above, German insurance companies insist that if you have a detachable towbar, you MUST remove it if you are not towing. The towbar will provide a certain degree of added protection for minor rear end accidents but once this threshold is exceeded, they cause even more damage, especially to the other vehicle.