Sometimes it's just your time. We can't outrun the Reaper. No matter how good you are, there is always more to learn and even the tiniest bit of inattention or gravel or squirrel or whatever can cost us our lives. Even those masters like the MotoGP guys still make mistakes although the consequences aren't usually as severe. We ride machines that have improved vastly over the years, but rider skill hasn't necessarily kept up. All you can do is be prepared. All roads can be deadly given the right kind of conditions.
@dirkterrell that's really good info and really something to think about.