The implementation of accidents seems to be a little odd, now that I've gotten used to it. I can see what you're trying to do, but I don't think its quite accomplished what you intended.
As it stands at the minute, if you're successful, and have a load of cash, accidents simple aren't going to happen to you any more. You'll have a ton of carriers, troop transports and freighters tagging along after your fleet that you can just pick up whatever you please and not have to worry about it. Additionally if your fleet is past a certain size, you no longer even have to risk having to bring your logistics ships to the field of battle, you can simply elect not to deploy them.
Basically past a certain point, accidents cease to be an issue.
However accidents are a severe hindrance at early game, where you only have a ship or two and have to decide whether or not you want to pack in that nice expensive Large launcher you found to sell, or if you want the supplies, to repair the damage your fleet took acquiring your ill gotten gains. Take too much, and you're going to have an accident, and possibly lose a ton of (at this stage in the game) expensive regular crew. Additionally if you do buy a logistic ship to carry about your gains in, and only have a couple of ships, you will be risking that logistic ship on the field of battle in every single battle you engage in. If it dies, say a bomber wing gets all up in its face, post battle, if you win, you then have to go and dump a load of credits via jettison, in addition to having the cost of losing the logistic ship as well. It puts you back about 20k credits, which is a fair bit of you only had a Destroyer and a Condor for example. Got help you if you were using fighters and there's not enough hangar space post-battle too.
You can obviously avoid this by hugging a station and selling your loot after every fight you're in, and not bothering with the logistics ships early game, but that feels awfully restrictive, especially if, in future, you're adding in the ability to travel to different star systems.
Maybe what you need to consider doing is the add an additional chance of accident from having over a certain number of "logistics" ships in your fleet, so as to apply an accident chance to higher level play too. Say for example that beyond a certain number your fleet is simply getting too crowded whilst in transit between planets and battles and the presumably drunk civilian pilots of your logistics ships run the risk of bumping into each other in a crowded fleet, causing an accident.
Just my thoughts!