I often perform accident investigation, as it is part of my job. There is no one thing that causes an aircraft to have an accident. Some people seem to think there is this Silver Bullet theory out there they can walk up and pick up a clue and say this caused it.
To understand accident investigation you have to look in the past history of the aircraft, flight, and people involved. On commercial aircraft as well as general aviation the mechanical things that used to cause accidents has been engineered out of most. This is not to say something mechanical will break, but all aircraft have a back system of some sort.
What bring aircraft down is human factors or a chain of events kind of like Swiss cheese effect when all the holes line up there will be an accident. If you break the chain of events plug one hole you can prevent an accident.
For example general aviation aircraft crash more often than commercial that is a fact. Why does this happen because the airlines use more checklists to prevent humans from making mistakes. The rules are the same for big airlines and small aircraft. So to take this one step why do airplanes run out of fuel (small airplane)? The pilot is required to check the fuel load onboard many airplane flight manuals state to visually look in the tanks. Why because the fuel gauges only have to be accurate when the tanks are empty. Why don’t pilots look in the tank (one hole in the cheese)? Next pilots are required to check weather condition. If you fly into the wind you will burn more fuel so pilot have to land more often to refuel many don’t check fuel burn during flight (second hole). Pilots are required to perform a preflight inspection of the aircraft prior to flight. If the fuel cap is the wrong direction of the vent hole is plugged the engine will not get the fuel required because the fuel is vented overboard and vacuum lock in the tank (third hole). Pilot is late and the sun is going down and pilot only has a day VFR certificate, but they are sure they can make it in the dark (forth hole). See how all these holes are starting to line up and now there is an accident.
There is more than one reason why engines fail, wheels fall off, airplanes run out of fuel, pilot fly into terrain, and on and on. On the Federal Aviation Administrations web sit you can find lots of data.
http://www.faa.gov/data_statistics/accident_incident/
The biggest factor is pilot error in most cases I have investigated because of the Swiss hole effect. The pilot could of broken the chain of events and did not. Every accident I have investigation and there have been many I could not point to one thing and said there is the Silver Bullet that caused the accident. As stated previous each accident is different.