The way I read the article, bike riders driving cars were less likely to make a CLAIM on their policy. It doesn't say we were in fewer scratch and dent accidents - only that, from the insurer's POV, the insured are less likely to suck bucks out of their coffers. Scrooge McDuck's money bin is safe with us.....
Though, as I said in another post, having just read David Hough's two books, and now chewing my way through Sport Riding Techniques, I'm thinking more about how I drive my car and looking at the road and traffic more as I would as a biker than I did before. I recommend all three books heartily. Don't ask why I waited so long to read these. I'm kicking myself for procrastinating.