Jay Leno isn't letting a few broken bones stop him from getting back on his motorcycle ... telling us he's got no plans to quit riding despite a recent scary accident.

Jay tells TMZ ... everyone's telling him to stop riding motorcycles, but "when you're 72, crashing a motorcycle is better than slipping in a walk-in bathtub."

As we reported ... Jay recently revealed he crashed his vintage motorbike January 17, suffering a broken collarbone, two fractured ribs and two cracked kneecaps during the accident -- an incident that flew under the radar.

Jay tells us he still plans on riding motorcycles despite the accident, because ... "Once men get past the age of 40 you can't teach them anything!"

The TV host says he didn't even realize how badly injured he was after flying off his motorcycle when he was clotheslined by an unmarked wire stretching across a parking lot ... he says he actually drove himself to the doctor, where he was diagnosed with broken bones.

As for the bike, Jay says it kept going after he was knocked off ... crashing into a building. He tells us the bike is at his famous Burbank garage and he plans on fixing it.

Jay's shouldering the blame for the incident ... telling us he's not going to sue whoever strung up the wire without hanging a flag from it, because he's not a "lawsuit guy."

The former 'Tonight Show' host is having some pretty scary accidents of late ... back in November, he sustained severe facial burns and other injuries in a car fire at his garage.

Jay insists he's fine, though ... telling us he plans to perform Sunday night at The Comedy and Magic Club in Hermosa Beach, CA for a sold-out crowd.