Check out the thread on accidental discharges on the hunting rifles forum, it looks like most who've experienced ADs had them when they flipped off the safety. Same thing happened to me 20 years ago, luckily, nothing was damaged.
Now, here are a few observations (besides the obvious never trust a safety):
1) You can't have an AD when flipping off the safety on an empty chamber.
2) If you handle the weapon safely, having an AD when flipping off the safety won't hurt anything.
3) Having an AD will sure enough change your thinking on carrying one in the chamber, and will make you glad you're a member of the cult of wearing underwear whilst hunting.
