Are you more likely to be in an accident? Or are you more likely to be in an accident with a fatality?

It seems like heavy rush-hour traffic is prone to creating a large number of accidents with a low total number of fatalities. When I drive around now, I believe the risk of accident per mile is significantly lower (city dweller used to typically packed city roads), but due to higher speeds, I can’t make the same claim about lower fatality risk.