Nice post. Ninja 250 here for my first bike last year, and just as the article said..had my first crash after 2 months (Another car cutting infront of me).
I'm still breaking in my CBR (Have under 500 miles), and I completely understand the likelihood of a crash or lowside. I have it fully paid off, and full insurance coverage for that very reason. If it happens, it'll be quite a sad day..but it's reality. Pay the deductible (if my fault) and keep going.