It does always take two people to get in a [two vehicle] collision. You can't control the other driver, but you can control how you react - and usually whether you've seen them coming in time to do so.
Sometimes it's unavoidable - you're stopped at a light and someone crosses the median to plow into you. In that situation, you are screwed.
But often, there is something you as the not "at fault" party could have done to avoid the collision (even with the drunk driver), had you been paying attention enough to see the situation. Change lanes. Slow down. Speed up. Leave more room. Leave less room. Always, no matter what, be looking.
Once I prevented myself from getting rear-ended at a traffic light: I was stopped and saw someone coming up behind me way too fast. I leaned on my horn, they clued in, and braked in time to stop just touching my fender. (I was in a motorcyle at a time, so REALLY happy with the outcome.)
Again, sometimes it really is unavoidable - but in a surprising number of situations there are actions a driver can take to avoid or reduce the severity of the incident.
Insurance companies understand this - that's why your rates raise when you get in an accident, regardless of whether you're legally "at fault".
Driving well and alertly doesn't end at the bounds of legal fault. Sure if you were rear-ended someone else will pay damages - but if you're in a wheelchair or dead, that money isn't going to make things better.
So to GP's point: there are a LOT of things that are far more under your control when you're driving. Falling out of the sky... not so much.