I ran into another cyclist in a fluke incident a few years ago & would suggest the following:

Look ahead, know which areas might require you to slow down just a smidgen.
Be predictable.
Don't expect others to slow down
Core strength is uber important

Just remember, you will eventually fall & it's a part of cycling. If you don't want to fall, dont' cycle. (don't even think about mtn biking!)

Get out there and ride, don't let fear hold you back.