I'm not sure if fault is that binary. Sometimes, you're right, the other driver is at fault and there is nothing you could do. But often, you can drive defensively in a way that protects you from even serious mistakes by others.

I have personally not been in far more accidents than I've been in just because one of the two parties was paying attention and took the correct evasive action. Sometimes that was me, sometimes it was someone else. This is only the cases I've noticed, there were probably times where I did something stupid and didn't realize it, and the other person took evasive action anyway, or even cases where I took the evasive action without noting the other person did something stupid.

We need to look out for each other. Nobody is perfect, but the better each individual does the better the whole is.

I think that part of the comment was a joke.