3 incidents per year at 20miles/day is higher than the statistical average. Are you biking in a way to increase the likelihood of an incident, biking in an area that is less safe than the average bike ride, or did you just have an unlucky year?
That is 3 incidents over 5 years. I don’t think that is too much of a statistical anomaly. One of the injuries was from a pedestrian stepping into the bike lane without looking, one was from a car merging into me, and one was from a collision with another cyclist while racing.
I will agree that 3 incidents over 5 years is closer to the normal.
Could just be biking in an area that has no biking infrastructure (i.e. bike lanes well separated from roads). I commute to work by bike daily and the most dangerous part of that is by far when I leave the cycleways between towns and have to be on the road. Motorists everywhere (except maybe Denmark or the Netherlands) seem to have a very fuck you attitude towards cyclists taking away their road; this shows mainly in disregarding right of way or attempting unsafe overtaking manoeuvres.